The increasing importance of financial decision-making in turbulent economic conditions heightens the need to examine factors such as financial knowledge, risk tolerance, and information analysis capabilities (business intelligence). This study was conducted with the aim of explaining the interplay between financial literacy, financial risk tolerance, and financial behavior, considering the moderating role of business intelligence, in companies active in the Tehran Stock Exchange. This research is applied in terms of objective and descriptive-correlational in terms of method. The statistical population included financial managers, accounting heads, and senior accountants of companies accepted in the Tehran Stock Exchange, and the sample size was determined to be 148 individuals using Cochran's formula. The data collection tool was a standard four-construct questionnaire, which after confirming its validity and reliability, was distributed among the sample individuals. For data analysis and hypothesis testing, structural equation modeling using the Partial Least Squares (PLS-SEM) method was used. The results of the model analysis showed that financial literacy has a positive and significant impact on financial behavior; meaning that an increase in financial knowledge leads to more rational and informed financial behaviors. Also, financial literacy has a positive and significant effect on financial risk tolerance, and individuals with higher financial literacy are more prepared to face financial uncertainties. The findings indicated that financial risk tolerance also has a positive and significant effect on financial behavior, and individuals with a higher level of risk tolerance adopt more active and analytical financial behaviors. Furthermore, the moderating role of business intelligence in the relationship between financial literacy and financial behavior was confirmed; such that business intelligence could strengthen the effect of financial literacy on financial behavior and showed that utilizing analytical and data-driven tools improves the quality of financial decisions. However, business intelligence was not able to moderate the relationship between financial literacy and financial risk tolerance, which indicates the personality-cognitive nature of risk tolerance and its relative independence from analytical skills. Overall, the research results show that the combination of financial literacy, rational risk-taking, and data analysis capabilities plays a fundamental role in promoting sound and professional financial behavior.