Non-specific myocardial fibrosis (NSMF) is a heterogeneous entity. We aimed to evaluate young athletes with and without NSMF to establish potentially clinically significance. We analysed data from 328 young athletes. We identified 61 with NSMF and compared them with 75 matched controls. Athletes with NSMF were divided into Group 1 (n = 28) with 'minor' fibrosis and Group 2 (n = 33) with non-insertion point fibrosis, defined as 'major'. Athletes were followed-up for adverse events. Finally, we tested various machine learning (ML) algorithms to create a prediction model for 'major' fibrosis. We created 4 different classifiers. Athletes of black ethnicity were more likely to have a subepicardial pattern (OR: 5.0, p = 0.004). Athletes with 'major' fibrosis demonstrated a higher prevalence of lateral T-wave inversion (TWI) ( < 0.001) and ventricular arrhythmias (VEs > 500/24h, p = 0.046; non-sustained VT, p = 0.043). Athletes with 'minor' fibrosis demonstrated higher right ventricular volumes (p = 0.013), maximum Watts (p = 0.022) and maximum VO2 (p = 0.005). Lateral TWI (p = 0.026) and VO2 < 44mL/min/Kg (p = 0.040) remained the only significant predictors for 'major' fibrosis. During follow up, athletes with 'major' fibrosis were 9.1 times more likely to exhibit adverse events (OR 13.4, p = 0.041). All ML models outperformed the benchmark method in predicting significant MF, best accuracy achieved by the random forest classifier (90%). Lateral TWI and reduced exercise performance are associated with higher burden of fibrosis. Fibrosis was associated with increased ventricular arrhythmia and adverse events. A comprehensive assessment can help develop a ML-based model for significant fibrosis, which could also guide clinical practice and appropriate CMR referrals.