Purpose
Lung cancer imposes a significant financial burden, including psychological financial hardship (PFH). This study aims to identify latent profiles of PFH in lung cancer patients and determine associated patient and caregiver factors.
Methods
A cross-sectional analysis was conducted with 305 lung cancer patient-caregiver dyads. PFH was measured using the Comprehensive Score for Financial Toxicity (COST), while quality of life (QoL) and distress were also assessed. Latent Profile Analysis (LPA) identified PFH profiles, and one-way ANOVA examined their associations with QoL and distress. Multinomial logistic regression examined correlates of PFH profiles.
Results
Three PFH profiles were identified: high-level (COST 0–13), low-level (COST 14–29), and no PFH (COST 30–44). These profiles had medium effects on mental QoL (η2 = 0.204), physical QoL (η2 = 0.150), and distress (η2 = 0.230), indicating clinical significance. Compared with no PFH group, lower caregiver education increased the odds of patients being in high-level PFH groups (OR = 3.847, 95 % CI: 1.038–11.717, p = 0.043); farming occupation was strongly associated with high-level PFH (OR = 9.658, 95 % CI: 3.369–27.689, p < 0.001); in contrast, those not reporting financial sacrifices were substantially less likely to experience high-level PFH (OR = 0.066, 95 % CI: 0.022–0.195, p < 0.001).
Conclusions
Distinct PFH profiles and correlates were identified, highlighting the role of both patient and caregiver factors. Findings underscore the importance of early screening and family-centred interventions to mitigate financial hardship and support well-being in cancer care.

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