Stock Ratings / Consumer Discretionary / TNET

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TriNet Group Inc. (TNET) — RQD Stock Rating Cockpit

$63.70 -9.53% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $62.49

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.

📊 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) →

ROARABLE C+ • HOLD / WATCH Cap $2.92B

📤 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?

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As of 2026-11-02, 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 $63.70 (-9.53% 1D, market cap $2.92B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 16/20. Across 1011 tracked Consumer Discretionary issuers, TNET ranks #225 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?

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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 $3.10B). 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?

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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: $62.48 (-1.91%)🧬 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+

JEV AI Jury 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 SNOWFLAKE RADARRw B · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TNET)Realized 20D OHLCV Swing Band: ±10.3%

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 (39.9) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$64.94+6.4% Next Q

Q2 (-2Q)

Grade B$69.09+8.9% Next Q

Q3 (-1Q)

Grade B-$75.23-15.3% Next Q

Current

Grade C+$63.70+1.4% Hist 90D α

Trajectory: B+ (74) → 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 ($67.57) or 200D SMA ($53.42) invalidates the momentum regime and cuts Target Base ($65.99) toward Bear Floor ($51.47).

🎲 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

39.930 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 RANGE70% OF RANGE

L: $34$63.70H: $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 JEV QUANT JURY DELIBERATION

JEV AI Jury 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: +48.35%📐 HORIZONTAL RANGE

2026-11-02O $70.41H $70.41L $63.70C $63.70VOL 716.9K

RES: $77.23SUP: $59.63SMA50: $67.57SMA200: $53.42

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #225 of 1011 ⚔️ CBZ vs TNET Full Matrix →

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

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, TriNet Group Inc. (TNET) ranks #225 by composite RQD confidence (66/100, grade C+) and #366 by equity capitalization ($2.92B). 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%	-9.53%	$2.92B	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%	+2.96%	$3.10B	/four-vs-tnet →
MMS Maximus Inc.	C+	67/100	10.3x	24.6%	13.5%	+1.67%	$3.29B	/mms-vs-tnet →
PAYO Payoneer Global Inc.	C	65/100	33.0x	—	34.1%	0.00%	$2.41B	/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?

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

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

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

TNET last traded at $63.70 (-9.53% on volume of 716,936 shares), positioning the stock -5.73% below its 50-day simple moving average ($67.57) and +19.24% above its 200-day simple moving average ($53.42). Across its 52-week range of $33.61 to $76.59, TNET sits at the 70.0% percentile with a 14-day RSI of 39.9 (NEUTRAL RANGE) and an implied next-earnings move of ±10.3% ($57.14 to $70.26).

TNET Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TNET stock right now?

TriNet Group Inc. (TNET) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (85% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.

What is TNET's 12-month price target and RQD AI Jury consensus?

TNET's 12-month base price target is $65.99 (range $51.47 to $80.42), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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