Modular Multimodal Classification Without Fine-Tuning: A Simple Compositional Approach

We introduce CoMET, textitComposing Modality Encoders with Tabular foundation models, a simple yet highly competitive method for multimodal classification: pass each modality through a frozen pre-trained backbone, compress the resulting embeddings with PCA, and concatenate as input into a Tabular Foundation Model (TFM) for prediction. We show that PCA alone suffices to act as an adaptor yielding strong, robust performance across modalities. When the textttCLS tokens of the foundation model align poorly with downstream tasks, we propose PALPooling, a lightweight adaptive token pooler that consistently improves representation quality. By composing strong frozen representation learning backbones with TFMs, our approach achieves state-of-the-art results across diverse multimodal benchmarks without any training. On hierarchical tasks with large fine-grained class spaces, our approach enables fast and scalable classification, handling datasets with over 500,000 samples and 2,000 classes without any fine-tuning. Overall, our results show that the composition of foundation models is a simple, yet powerful, out-of-the-box solution for multimodal learning, challenging the necessity of complex, end-to-end training pipelines for new problems.