NumCache: KV Cache Compression and Retrieval for Financial Document QA
Eftychia Makri, Peiwen Li, Yidong Jiang, Junrong Chen, Jialin Chen, Ali Maatouk, Leandros Tassiulas, Eliot Brenner, Bing Xiang, Rex Ying
Abstract
Large Language Models (LLMs) are increasingly deployed in financial applications, particularly for interpreting U.S. Securities and Exchange Commission (SEC) filings. However, financial QA over these filings is challenging, as they are extremely long, numerically dense, and often require cross-document reasoning. Existing approaches struggle to scale to such settings due to long-context degradation and loss of numerical fidelity under context compression. Long-document Retrieval-Augmented Generation (RAG) improves evidence coverage through coarse-to-fine retrieval, yet semantic retrievers collapse fine-grained magnitudes and units, returning passages that lack the precise values needed for correct reasoning. Cache-Augmented Generation (CAG) projects attention states into compact KV representations and treats precomputed caches as reusable internal memory, but typically assumes caches are already well-formed and query-relevant, leaving open how to build and select number-faithful caches. To address this gap, we propose NumCache, which compresses SEC filings into KV caches initialized from numerically dense regions and trained directly on financial QAs. On top of these caches, we then train a contrastive retriever that aligns questions with cache representations, thus improving retrieval performance. We evaluate NumCache on the Fin-RATE benchmark, which comprises SEC-filing QA tasks covering single-filing reasoning, cross-firm comparison, and longitudinal trend analysis. NumCache achieves up to 4× context compression with competitive accuracy (41.4% vs. 44.8% for uncompressed Qwen3-4B on single-filing reasoning) and a 6.4× inference speedup, while its contrastive retriever attains 68.3% Recall@1 on single-filing retrieval; 2.3× the strongest text-based baseline (29.7%). These results highlight cache-based retrieval with number-preserving representations as an effective approach for long-context financial QA.
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