diff --git a/pkg/runtime/streaming.go b/pkg/runtime/streaming.go
index 1b69e27e50..30ca571cd4 100644
--- a/pkg/runtime/streaming.go
+++ b/pkg/runtime/streaming.go
@@ -356,6 +356,26 @@ mainLoop:
 				}
 			}
 
+			// Text in a terminal chunk belongs to the answer too: some
+			// OpenAI-compatible providers send the last delta together with
+			// finish_reason, so accumulate it before the early return below.
+			if choice.Delta.ReasoningContent != "" {
+				responseStarted = true
+				events.Emit(AgentChoiceReasoning(a.Name(), sess.ID, choice.Delta.ReasoningContent, messageID))
+				fullReasoningContent.WriteString(choice.Delta.ReasoningContent)
+			}
+
+			// Capture thinking signature for Anthropic extended thinking
+			if choice.Delta.ThinkingSignature != "" {
+				responseStarted = true
+				thinkingSignature = choice.Delta.ThinkingSignature
+			}
+
+			if choice.Delta.Content != "" {
+				responseStarted = true
+				appendContent(markerFilter.Push(choice.Delta.Content))
+			}
+
 			if choice.FinishReason == chat.FinishReasonStop || choice.FinishReason == chat.FinishReasonLength || choice.FinishReason == chat.FinishReasonRefusal {
 				finishAssistantText()
 				recordUsage()
@@ -403,23 +423,6 @@ mainLoop:
 				providerFinishReason = choice.FinishReason
 			}
 
-			if choice.Delta.ReasoningContent != "" {
-				responseStarted = true
-				events.Emit(AgentChoiceReasoning(a.Name(), sess.ID, choice.Delta.ReasoningContent, messageID))
-				fullReasoningContent.WriteString(choice.Delta.ReasoningContent)
-			}
-
-			// Capture thinking signature for Anthropic extended thinking
-			if choice.Delta.ThinkingSignature != "" {
-				responseStarted = true
-				thinkingSignature = choice.Delta.ThinkingSignature
-			}
-
-			if choice.Delta.Content != "" {
-				responseStarted = true
-				appendContent(markerFilter.Push(choice.Delta.Content))
-			}
-
 		case <-ctx.Done():
 			// Context cancelled (SIGTERM, Ctrl+C, or idle-timeout cancel from
 			// this function). Return promptly so graceful shutdown can proceed.
diff --git a/pkg/runtime/streaming_test.go b/pkg/runtime/streaming_test.go
index 4422c8684a..a344143b1e 100644
--- a/pkg/runtime/streaming_test.go
+++ b/pkg/runtime/streaming_test.go
@@ -216,6 +216,43 @@ func TestHandleStream_ToolCallThenSeparateStop(t *testing.T) {
 	assert.False(t, res.Stopped)
 }
 
+// TestHandleStream_ContentInTerminalChunk covers providers that send the last
+// text delta in the same chunk as the terminal finish_reason: that text must
+// end up in the result and in the live events instead of being dropped.
+func TestHandleStream_ContentInTerminalChunk(t *testing.T) {
+	t.Parallel()
+
+	for _, reason := range []chat.FinishReason{chat.FinishReasonStop, chat.FinishReasonLength} {
+		t.Run(string(reason), func(t *testing.T) {
+			t.Parallel()
+
+			b := newStreamBuilder().
+				AddReasoning("thinking ").
+				AddContent("M").
+				AddContent("1-deepseek-v4")
+			b.responses = append(b.responses, chat.MessageStreamResponse{
+				Choices: []chat.MessageStreamChoice{{
+					Index:        0,
+					FinishReason: reason,
+					Delta: chat.MessageDelta{
+						Content:          ".1-flash",
+						ReasoningContent: "done",
+					},
+				}},
+				Usage: &chat.Usage{InputTokens: 1, OutputTokens: 1},
+			})
+
+			res, live := runMarkerStream(t, b.Build())
+
+			assert.Equal(t, "M1-deepseek-v4.1-flash", res.Content)
+			assert.Equal(t, res.Content, live)
+			assert.Equal(t, "thinking done", res.ReasoningContent)
+			assert.Equal(t, reason, res.FinishReason)
+			assert.True(t, res.Stopped)
+		})
+	}
+}
+
 // TestHandleStream_MediaAccumulatesAlongsideText verifies that a
 // generated-media delta streamed alongside text is accumulated into
 // streamResult.Media without disturbing the existing text/finish-reason