# Gemini 3.8 Flash vs GPT-6.1 Terra

Every finance benchmark where both have a score (Google and OpenAI). Data refreshed 3 Nov 2026. Scores from different benchmarks use different scales and are not added up.

| Benchmark | Metric | Gemini 3.8 Flash | Gemini 3.8 Flash source | GPT-6.1 Terra | GPT-6.1 Terra source | Ahead |
| --- | --- | --- | --- | --- | --- | --- |
| Excel Modeling Benchmark (EMB) | accuracy % (v1.1) (higher is better) | 72.9 | Vals.ai leaderboard, 29 Oct 2026, https://www.vals.ai/benchmarks/emb-v1-1 | 73.3 | Vals.ai leaderboard, 29 Oct 2026, https://www.vals.ai/benchmarks/emb-v1-1 | GPT-6.1 Terra |
| Visa Agentic Commerce Benchmark | pass rate % (higher is better) | 53.3 | Visa Research, Oct 2026 snapshot, 5 Nov 2026, https://www.visapaymentsfrontier.io/#agentic-commerce-benchmark | 51.1 | Visa Research, Oct 2026 snapshot, 5 Nov 2026, https://www.visapaymentsfrontier.io/#agentic-commerce-benchmark | Gemini 3.8 Flash |

Source: https://benchmarks.finance/compare/gemini-3-8-flash-vs-gpt-6-1-terra/

Created and maintained by Moneda.