Team Overall Rating in FIFA and FIFA Ultimate Team is the average of the Starting 11 and Subs players Overall Ratings in a squad.
Calculation
The sum of the Starting 11 and Subs players' Overall Ratings divided by 18 (11 players in starting lineup + 7 players on the bench) results the Team Overall Rating.
[ Sum of Starting 11 and Subs Players OVRs / 18 = Team Overall Rating ]
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