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Stock Ratings / Consumer Discretionary / TNET
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TriNet Group Inc. (TNET) — RQD Stock Rating Cockpit

$67.55 +5.09% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $68.04

TriNet Group Inc. (TNET) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $2.94B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TNET Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TNET stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, TriNet Group Inc. (NYSE: TNET) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $67.55 (+5.09% 1D, market cap $2.94B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 11/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 16/20. Across 1009 tracked Consumer Discretionary issuers, TNET ranks #218 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TNET compare to CBZ and FOUR in the Consumer Discretionary sector?
▼

Within the Consumer Discretionary sector (Business Services), TNET carries a Roarable C+ (66/100 RQD), trailing P/E of 18.9x, gross margin of —, and ROIC of 85.0%. By comparison, CBZ (CBIZ Inc.) holds a B- grade (71/100 RQD, P/E 25.8x, ROIC 5.9%, cap $2.98B) and FOUR (Shift4 Payments Inc. (Class A)) posts a D grade (44/100 RQD, P/E 21.1x, ROIC 5.5%, cap $3.16B). Among the 5-stock peer group, MMS leads on earnings multiple (10.3x) while TNET leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TNET?
▼

Per TNET's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000937098), TriNet Group Inc. generated $5.01B in revenue (-0.9% YoY), $155.0M in net income, and $234.0M in free cash flow against $3.80B in total assets and $895.0M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $68.04 (+0.73%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 4.7% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B · Rk D+
Cash (19)Whales (10)SEC (11)Macro (10)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$83 Bull$70 Base$55 Bear
📬 FREE TNET RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TNET)Realized 20D OHLCV Swing Band: ±9.9%
Deterministic 5-Pillar Attribution (66/100 Composite)
🔍 WHY TNET SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (29% of score)

SEC XBRL FY 2025 (10-K): 4.7% FCF Margin ($234.0M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (41.5) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
58
Grade C$66.72+6.2% Next Q
Q2 (-2Q)
61
Grade C$70.83+1.1% Next Q
Q3 (-1Q)
63
Grade C+$71.62-5.7% Next Q
Current
66
Grade C+$67.55+1.4% Hist 90D α
Trajectory: C (58) → C+ (66)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TNET Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, TNET faces multiple-compression risk if 18.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($67.47) or 200D SMA ($53.43) invalidates the momentum regime and cuts Target Base ($69.98) toward Bear Floor ($54.58).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TNET• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TNET Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
41.530 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE79% OF RANGE
L: $34$67.55H: $77
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: A+RQD 19 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on TNET

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (95)

85.0% ROIC with 42.0% gross margin and 8.00% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (55)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (60)

26/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like TNET
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (TNET Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
TNET // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +57.31%▲ ASCENDING CHANNEL
2026-11-03O $63.70H $67.55L $63.70C $67.55VOL 622.6K
RES: $77.34SUP: $60.36SMA50: $67.47SMA200: $53.43
$79.28$68.13$56.98$45.83$34.68RES $77.34SUP $60.36$67.552026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TNET Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TNET Butterfly Map → + Track TNET →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
12.3%/yr Implied 5Y Growth

vs. -0.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TNET today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TNET. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TNET today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TNET)

Consumer Discretionary Rank #218 of 1009 ⚔️ CBZ vs TNET Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (TNET vs. CBZ, FOUR, MMS, PAYO)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, TriNet Group Inc. (TNET) ranks #218 by composite RQD confidence (66/100, grade C+) and #360 by equity capitalization ($2.94B). Within this direct 5-issuer industry benchmark cohort, MMS leads on earnings valuation at 10.3x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. CBZ currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with TNET at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
TNET ACTIVE
TriNet Group Inc.
C+ 66/100 18.9x — 85.0% +5.09% $2.94B Benchmark Subject
CBZ
CBIZ Inc.
B- 71/100 25.8x 12.9% 5.9% +0.06% $2.98B /cbz-vs-tnet →
FOUR
Shift4 Payments Inc. (Class A)
D 44/100 21.1x — 5.5% +5.10% $3.16B /four-vs-tnet →
MMS
Maximus Inc.
C+ 68/100 10.3x 24.6% 13.5% +4.44% $3.34B /mms-vs-tnet →
PAYO
Payoneer Global Inc.
C+ 67/100 33.0x — 34.1% +0.14% $2.42B /payo-vs-tnet →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000937098 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), TriNet Group Inc. (TNET) reported GAAP revenue of $5.01B (-0.9% vs. FY2024 revenue of $5.05B , and +1.8% cumulative change since FY2023) , GAAP net income of $155.0M, operating cash flow of $303.0M, and free cash flow of $234.0M (+16.4% YoY). On the balance sheet, TNET closed FY2025 with $3.80B in total assets against $895.0M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $5.01B $155.0M $303.0M $234.0M $3.80B $895.0M
FY2024 (FY) 2024-12-31 $5.05B $173.0M $279.0M $201.0M $4.12B $908.0M
FY2023 (FY) 2023-12-31 $4.92B $375.0M $539.0M $539.0M — —

3. TNET Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TNET stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, TriNet Group Inc. (NYSE: TNET) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $67.55 (+5.09% 1D, market cap $2.94B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 10/20, SEC Balance-Sheet Forensics 11/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 16/20. Across 1009 tracked Consumer Discretionary issuers, TNET ranks #218 in composite RQD confidence.

How does TNET compare to CBZ and FOUR in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), TNET carries a Roarable C+ (66/100 RQD), trailing P/E of 18.9x, gross margin of —, and ROIC of 85.0%. By comparison, CBZ (CBIZ Inc.) holds a B- grade (71/100 RQD, P/E 25.8x, ROIC 5.9%, cap $2.98B) and FOUR (Shift4 Payments Inc. (Class A)) posts a D grade (44/100 RQD, P/E 21.1x, ROIC 5.5%, cap $3.16B). Among the 5-stock peer group, MMS leads on earnings multiple (10.3x) while TNET leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TNET?

Per TNET's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000937098), TriNet Group Inc. generated $5.01B in revenue (-0.9% YoY), $155.0M in net income, and $234.0M in free cash flow against $3.80B in total assets and $895.0M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TNET trading relative to its 50-day, 200-day, and 52-week technical levels?

TNET last traded at $67.55 (+5.09% on volume of 791,976 shares), positioning the stock +0.12% above its 50-day simple moving average ($67.47) and +26.43% above its 200-day simple moving average ($53.43). Across its 52-week range of $33.61 to $76.59, TNET sits at the 79.0% percentile with a 14-day RSI of 41.5 (NEUTRAL RANGE) and an implied next-earnings move of ±9.9% ($60.86 to $74.24).

Direct Sub-Reports: TNET RQD Cockpit TNET 12M Forecast TNET Earnings & Move TNET Dividends & DRIP TNET Insiders & 13F TNET Whale Options TNET Profit Sankey TNET News & Why
ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

TNET — TriNet Group Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

TriNet Group Inc. (TNET) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $67.55 (+5.09% 1D, market capitalization $2.94B).

  • Fundamental Cash Engine (19/20): Anchored by return on invested capital (ROIC) of 85.0%, gross margin of —, operating margin of —, and free cash flow yield of 8.00%.
  • Whale 13F & Options Flow (10/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (11/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of 8.50x.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (TNET) is a NYSE-listed issuer in the Consumer Discretionary sector, Business Services industry, with a market capitalization of $2.9B. Revenue of $5.01B for FY 2025 is reported in the SEC financials.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), TriNet Group Inc. (TNET) reported $5.01B in annual revenue (up from $5.05B in FY2024, -0.9% YoY) and $155.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($4.92B revenue, $375.0M net income) through FY2025, TNET scaled operating cash flow to $303.0M and free cash flow to $234.0M, backed by $3.80B in total assets against $895.0M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 66/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 19/20 and Institutional Whale Flow at 10/20, sustained execution supports upside toward the upper end of the $33.61 – $76.59 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 18.9x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Business Services (Consumer Discretionary), TNET carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can TNET sustain or expand its — operating margin and 85.0% ROIC against Business Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $5.01B and free cash flow of $234.0M, how will capital allocation balance growth reinvestment against $895.0M in total debt?
  • Key Question #3: How sensitive is TNET's 17.6x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

TNET Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for TriNet Group Inc. (TNET) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TNET Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TNET Bull vs. Bear Conversation Board — What's Your Call at $67.55?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TNET 🐻 33% BEARISH CONVICTION
1. Pick Your Side on TNET:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $79.71 (+24.0%)
📌 Pinned Debate

Per the Roarable RQD rating, the fundamental cash engine scores 19/20 on an 85% ROIC and 8% FCF yield.

Here is why I am bullish on TNET here at $64.28: Per the Roarable RQD rating, the fundamental cash engine scores 19/20 on an 85% ROIC and 8% FCF yield.. Compare TNET's 0.0% operating margin and 85.0% ROIC against the rest of Business Services. As long as cash conversion holds up, dips toward $61.07 are getting bought.

VolSurface_Trader 🐂 BULL

@ShortSeller_Dan Shorting a 10/20 institutional whale-flow stock at $64.28 is dangerous when funds are rotating into Consumer Discretionary.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $50.78 (-21.0%)
Spot @ $64.28

Per the Roarable RQD rating, the forensic balance sheet scores 11/20 with Debt/Equity of 8.5 and Piotroski F 5/9.

Sitting on the sidelines or leaning short TNET above $64.28. Per the Roarable RQD rating, the forensic balance sheet scores 11/20 with Debt/Equity of 8.5 and Piotroski F 5/9.. Until Fundamental Cash Engine (19/20) and FCF yield (8.0%) inflect higher, upside is capped near $76.59.

LIVE TAPE