CFB Betting Model

Opponent-adjusted college football predictions vs. the market. Personal research project, not financial advice.

510
Picks Tracked
404/510
Moneyline (Straight-Up)
225-232-11
Against the Spread
13.8 pts§
Avg. Margin Error
$939.14
Paper Bankroll (since Sep 19)

Record

WeekMoneylineSpread
2026 Week 742-20 (68%)34-24-4
2026 Week 638-20 (66%)27-29-2
2026 Week 544-15 (75%)28-30-1
2026 Week 454-17 (76%)33-37-1
2026 Week 366-9 (88%)43-31-1
2026 Week 273-13 (85%)19-25-0
2026 Week 182-9 (90%)38-51-2
2026 Week 05-3 (62%)3-5-0

Weekly Trends

Moneyline Win %

62%
75%
2026 Week 0
90%
91%
2026 Week 1
85%
84%
2026 Week 2
88%
89%
2026 Week 3
76%
85%
2026 Week 4
75%
71%
2026 Week 5
66%
69%
2026 Week 6
68%
71%
2026 Week 7
Model moneyline win%Favorite baseline (same week)

Against the Spread Win %

Breakeven 52.4%
38%
2026 Week 0
43%
2026 Week 1
43%
2026 Week 2
58%
2026 Week 3
47%
2026 Week 4
48%
2026 Week 5
48%
2026 Week 6
59%
2026 Week 7
ATS win% Breakeven at -110 (52.4%)

Margin Accuracy: Model vs. Market

14.3 vs 13.3
2026 Week 0
17.3 vs 13.8
2026 Week 1
15.3 vs 11.2
2026 Week 2
10.6 vs 9.6
2026 Week 3
14.4 vs 11.8
2026 Week 4
14.0 vs 13.1
2026 Week 5
12.0 vs 11.6
2026 Week 6
11.1 vs 10.7
2026 Week 7
Model avg error (pts)Market avg error (pts) · lower is better

§ Margin error for one game is |predicted margin − actual final margin|, in points -- e.g. picking a team to win by 10 when they win by 14 is a 4-point error. Averaging that across every graded game gives the "Avg. Margin Error" stat above and each week's bars in this chart. Lower is better for both the model's own number and the market's -- the real question this chart tracks is whether the model is closing the gap on the market's own accuracy over time, not just whether picks are winning.

Win Probability Accuracy: Model vs. Polymarket¶

0.139 vs 0.098
2026 Week 1 (42)
0.187 vs 0.141
2026 Week 2 (48)
0.130 vs 0.109
2026 Week 3 (57)
0.188 vs 0.141
2026 Week 4 (57)
0.177 vs 0.168
2026 Week 5 (55)
0.218 vs 0.207
2026 Week 6 (58)
0.220 vs 0.222
2026 Week 7 (58)
Model Brier scorePolymarket Brier score · lower is better

¶ A post-game accuracy check only -- Polymarket's pre-game win probability for each game is pulled and stored before kickoff, then graded afterward the same way the model's own is, using Brier score (squared error between the probability and the actual 0/1 outcome -- e.g. predicting 70% and winning scores (0.7−1)²=0.09, losing scores (0.7−0)²=0.49; lower is better). Nothing here feeds into the moneyline or spread picks above -- those are generated independently from the model's own features, same as always. The number in parentheses next to each week is how many of that week's games actually had a matching Polymarket market to grade against.

Picks

2026 Week 833 games
Middle Tennessee @ Florida International
Tue Oct 20, 7:00 PM EDT
Model: Florida International by +5.1 (81% win prob) · Market: Florida International by 10.0
Moneyline pick: Florida International (81% win prob) HIGH Confidence
Spread pick: Middle Tennessee +10.0 (-108) MEDIUM Confidence
Recommended wager: $1.83 (0.2% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 52%
Middle Tennessee +10 is a thin, medium-confidence cover pick -- the model projects just a 5.1-point Florida International win, 4.9 points short of the market's 10-point line, even though Florida International has the better recent form.
  • Pre-game Elo gives Florida International a 73% win probability, far more lopsided than the model's own 5.1-point margin projection.
  • Middle Tennessee has faced tougher recent competition than Florida International (average opponent rating -0.6 vs -10.9).
  • Florida International has the better recent scoring margin over the last 4 games (6.8 vs -13.8) and has converted third downs at a far higher rate (51% vs 24%), both cutting against the Middle Tennessee pick.
  • Over their last 5 meetings, Middle Tennessee has outscored Florida International by an average of 8.4 points.
  • Cover probability sits at 52%, so this grades as a bare-minimum stake (0.2% of bankroll) at medium confidence.
Per-model breakdown (home win probability)
Logistic Regression83%
Random Forest82%
XGBoost73%
LightGBM73%
Extra Trees77%
Missouri State @ Delaware
Tue Oct 20, 7:00 PM EDT
Model: Delaware by +9.7 (74% win prob) · Market: Delaware by 3.0
Moneyline pick: Delaware (74% win prob) MEDIUM Confidence
Spread pick: Delaware -3.0 (-115) MEDIUM Confidence
Recommended wager: $3.89 (0.4% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 54%
Now priced with a market line, the model backs Delaware to cover as a 3.0-point favorite at home against Missouri State, a medium-confidence 54% cover probability worth a 0.4% Kelly stake.
  • Missouri State's recent scoring margin (-12.5 over its last four games) and Delaware's (-8.5) are both cited among the model's top factors.
  • A standalone ELO read gives Delaware a 60% win probability.
  • Missouri State holds the edge in recent yards-per-play (5.2 vs 5.6) and has covered the spread in 60% of its last five games.
  • Delaware carries just a 6-point ELO edge overall (1457 vs 1451).
Per-model breakdown (home win probability)
Logistic Regression72%
Random Forest68%
XGBoost70%
LightGBM71%
Extra Trees67%
South Alabama @ Marshall
Tue Oct 20, 7:30 PM EDT
Model: Marshall by -0.5 (56% win prob) · Market: South Alabama by 3.5
Moneyline pick: Marshall (56% win prob) LOW Confidence
Spread pick: Marshall +3.5 (-110) NO BET
No bet · cover probability 50% doesn’t clear the 52.4% break-even at this price
Marshall +3.5 is a thin, medium-confidence cover pick -- the model's margin is close to pick'em (South Alabama by just 0.5), well inside the market's 3.5-point line, but a 50% cover probability still grades as no bet.
  • Pre-game Elo gives Marshall a 56% win probability, despite South Alabama being favored by 3.5 points in the market.
  • South Alabama has the better recent scoring margin over the last 4 games (1.2 vs -6.8) and recent turnover margin (1.5 vs -1.8).
  • South Alabama rates 13.7 points better on opponent-adjusted margin (-0.3 vs -14.0).
  • South Alabama also carries a 21-point Elo edge over Marshall (1519 vs 1498).
  • Despite those factors favoring South Alabama, the model's margin projection is nearly even, and at 50% calibrated cover probability the recommended stake is zero.
Per-model breakdown (home win probability)
Logistic Regression63%
Random Forest53%
XGBoost46%
LightGBM49%
Extra Trees54%
New Mexico State @ Sam Houston
Wed Oct 21, 8:00 PM EDT
Model: Sam Houston by -6.5 (50% win prob) · Market: New Mexico State by 2.5
Moneyline pick: Sam Houston (50% win prob) LOW Confidence
Spread pick: New Mexico State -2.5 (-112) NO BET
No bet · cover probability 51% doesn’t clear the 52.8% break-even at this price
New Mexico State -2.5 is a thin, medium-confidence cover pick -- the model projects a 6.5-point New Mexico State win, well clear of the market's 2.5-point line, but a 51% cover probability still grades as no bet.
  • Pre-game Elo gives Sam Houston only a 52% win probability at home, despite New Mexico State being favored by 2.5 points in the market.
  • Sam Houston has the better recent scoring margin over the last 4 games (-5.2 vs -8.0), though both are negative.
  • New Mexico State has outscored Sam Houston by an average of 7.0 points over their last 3 meetings.
  • New Mexico State has also faced tougher recent competition (average opponent rating -3.7 vs -11.0) and holds a recent yards-per-play edge (5.3 vs 4.9).
  • Cover probability sits at just 51%, so despite the model's margin clearing the market line, the recommended stake is zero.
Per-model breakdown (home win probability)
Logistic Regression40%
Random Forest50%
XGBoost53%
LightGBM51%
Extra Trees54%
James Madison @ App State
Thu Oct 22, 7:00 PM EDT
Model: App State by -18.0 (15% win prob) · Market: James Madison by 10.5
Moneyline pick: James Madison (85% win prob) HIGH Confidence
Spread pick: James Madison -10.5 (-111) HIGH Confidence
Recommended wager: $12.34 (1.3% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 55%
Now priced with a market line, the model has a high-confidence lean on James Madison to cover -10.5 on the road at App State, a 55% cover probability worth a 1.3% Kelly stake, built on a 256-point ELO gap.
  • A standalone ELO read gives App State only a 25% win probability, and James Madison carries a 256-point ELO edge overall (1766 vs 1510).
  • James Madison's recent scoring margin (-2.2 over its last four games) and App State's (21.0) are both cited among the model's top factors.
  • Once adjusted for schedule strength, James Madison's opponent-adjusted margin (+15.2) is 20.9 points ahead of App State's (-5.7).
  • James Madison has outscored App State by an average of 8.8 points over their last four meetings.
Per-model breakdown (home win probability)
Logistic Regression16%
Random Forest13%
XGBoost10%
LightGBM11%
Extra Trees19%
Liberty @ Kennesaw State
Thu Oct 22, 7:00 PM EDT
Model: Kennesaw State by -11.3 (24% win prob) · Market: Liberty by 8.5
Moneyline pick: Liberty (76% win prob) HIGH Confidence
Spread pick: Liberty -8.5 (-110) NO BET
No bet · cover probability 50% doesn’t clear the 52.4% break-even at this price
Liberty -8.5 is a low-confidence pick with a near-coin-flip 50% cover probability, so the model's edge grades as no bet despite Liberty's lopsided recent-form numbers.
  • Pre-game Elo gives Kennesaw State only a 42% win probability, despite Liberty being favored by 8.5 points in the market.
  • Liberty has a much better recent scoring margin over the last 4 games (25.2 vs -10.0).
  • Liberty rates 19.6 points better on opponent-adjusted margin (+8.4 vs -11.1).
  • Kennesaw State has actually faced tougher recent competition than Liberty (average opponent rating -2.6 vs -13.1), a factor working against the pick.
  • Liberty has covered the spread in 80% of its last 5 games, but the model's calibrated cover probability here is just 50%, so the recommended stake is zero.
Per-model breakdown (home win probability)
Logistic Regression22%
Random Forest26%
XGBoost27%
LightGBM23%
Extra Trees29%
East Carolina @ Memphis
Thu Oct 22, 7:30 PM EDT
Model: Memphis by +7.3 (78% win prob) · Market: Memphis by 9.5
Moneyline pick: Memphis (78% win prob) HIGH Confidence
Spread pick: East Carolina +9.5 (-107) NO BET
No bet · cover probability 50% doesn’t clear the 51.7% break-even at this price
Now priced with a market line, the model takes East Carolina and the +9.5 points at Memphis, a low-confidence, 50% cover-probability read that misses the 51.7% breakeven at -107 -- no bet.
  • A standalone ELO read gives Memphis a 65% win probability.
  • Once adjusted for schedule strength, Memphis's opponent-adjusted margin (+7.3) is 14.3 points ahead of East Carolina's (-7.1).
  • Memphis's recent scoring margin (21.5 over its last four games) is well ahead of East Carolina's (9.8), and Memphis has outscored East Carolina by an average of 13.6 points over their last five meetings.
  • Memphis has converted third downs at a 50% clip over its last four games against East Carolina's 39%.
Per-model breakdown (home win probability)
Logistic Regression78%
Random Forest74%
XGBoost74%
LightGBM74%
Extra Trees73%
Duke @ Virginia
Fri Oct 23, 7:00 PM EDT
Model: Virginia by -3.3 (45% win prob) · Market: Virginia by 2.5
Moneyline pick: Duke (55% win prob) LOW Confidence
Spread pick: Duke +2.5 (-111) MEDIUM Confidence
Recommended wager: $3.32 (0.4% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 53%
Model takes Duke and the +2.5 points at Virginia, a medium-confidence 53% cover probability worth a 0.4% Kelly stake, driven by Duke's edge in recent scoring margin and yards-per-play.
  • A standalone ELO read gives Virginia only a 52% win probability in a close game.
  • Duke's recent scoring margin (0.2 over its last four games) and Virginia's (19.0) are both cited among the model's top factors, alongside a yards-per-play split of 4.9 vs 6.6.
  • Duke carries a 52-point ELO edge over Virginia (1584 vs 1636).
  • Duke has converted third downs at only a 32% clip over its last four games against Virginia's 50%.
Per-model breakdown (home win probability)
Logistic Regression40%
Random Forest43%
XGBoost50%
LightGBM48%
Extra Trees45%
Massachusetts @ UConn
Fri Oct 23, 7:00 PM EDT
Model: UConn by +16.0 (85% win prob) · Market: UConn by 16.5
Moneyline pick: UConn (85% win prob) HIGH Confidence
Spread pick: Massachusetts +16.5 (-112) NO BET
No bet · cover probability 48% doesn’t clear the 52.8% break-even at this price
Model takes Massachusetts and the +16.5 points at UConn, a low-confidence, 48% cover-probability read that falls short of the 52.8% breakeven at -112 -- no bet.
  • A standalone ELO read gives UConn an 80% win probability, with a 172-point ELO edge overall (1582 vs 1410).
  • UConn's recent scoring margin (9.5 over its last four games) is well ahead of Massachusetts's (-0.8).
  • UConn has faced tougher recent competition than Massachusetts by average opponent rating (-9.3 vs -19.5).
  • UConn has converted third downs at a 42% clip over its last four games against Massachusetts's 37%.
Per-model breakdown (home win probability)
Logistic Regression83%
Random Forest84%
XGBoost87%
LightGBM86%
Extra Trees81%
Army @ Tulsa
Fri Oct 23, 8:30 PM EDT
Model: Tulsa by -7.6 (37% win prob) · Market: Tulsa by 1.5
Moneyline pick: Army (63% win prob) MEDIUM Confidence
Spread pick: Army +1.5 (-115) HIGH Confidence
Recommended wager: $16.54 (1.8% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 57%
Model has a high-confidence lean on Army and the +1.5 points at Tulsa, a 57% cover probability worth a 1.8% Kelly stake, the largest edge on the board this run against a market line favoring Tulsa.
  • A standalone ELO read gives Tulsa only a 38% win probability, matching the full model's lean toward Army.
  • Army's recent scoring margin (-4.0 over its last four games) and yards-per-play (5.3) are both cited among the model's top factors, against Tulsa's 9.2 and 6.1 over the same stretch.
  • Once adjusted for schedule strength, Army's opponent-adjusted margin (+2.3) edges Tulsa's (+4.3) by 2.0 points.
  • Army has outscored Tulsa by an average of 20.5 points over their last two meetings.
Per-model breakdown (home win probability)
Logistic Regression30%
Random Forest39%
XGBoost42%
LightGBM47%
Extra Trees36%
Air Force @ Wyoming
Fri Oct 23, 9:00 PM EDT
Model: Wyoming by -5.0 (40% win prob) · Market: Air Force by 7.0
Moneyline pick: Air Force (60% win prob) MEDIUM Confidence
Spread pick: Wyoming +7.0 (-110) NO BET
No bet · cover probability 49% doesn’t clear the 52.4% break-even at this price
Model takes Wyoming and the +7.0 points at home against Air Force, a low-confidence, 49% cover-probability read that misses the 52.4% breakeven at -110 -- no bet.
  • A standalone ELO read gives Wyoming only a 44% win probability.
  • Air Force's recent scoring margin (2.5 over its last four games) trails Wyoming's (9.8), though Wyoming holds only a slight edge in yards-per-play (5.7 vs 5.6).
  • Once adjusted for schedule strength, Air Force's opponent-adjusted margin (-14.5) is 14.4 points behind Wyoming's (-0.1).
  • Air Force has covered the spread in 60% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression38%
Random Forest39%
XGBoost45%
LightGBM41%
Extra Trees42%
NC State @ Stanford
Fri Oct 23, 10:30 PM EDT
Model: Stanford by -8.3 (32% win prob) · Market: NC State by 7.5
Moneyline pick: NC State (68% win prob) MEDIUM Confidence
Spread pick: NC State -7.5 (-105) NO BET
No bet · cover probability 48% doesn’t clear the 51.2% break-even at this price
Model backs NC State to cover as a 7.5-point favorite on the road at Stanford, a low-confidence, 48% cover-probability read that misses the 51.2% breakeven at -105 -- no bet.
  • A standalone ELO read gives Stanford a 44% win probability.
  • NC State's recent scoring margin (-17.8 over its last four games) trails Stanford's (-3.8).
  • Once adjusted for schedule strength, NC State's opponent-adjusted margin (-10.8) is 11.7 points behind Stanford's (+0.9).
  • NC State enters off a bye week (14 days rest) and has covered the spread in 40% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression34%
Random Forest32%
XGBoost27%
LightGBM30%
Extra Trees41%
Baylor @ Kansas
Sat Oct 24, 12:00 AM EDT
Model: Kansas by -3.2 (39% win prob) · Market: Baylor by 1.5
Moneyline pick: Baylor (61% win prob) MEDIUM Confidence
Spread pick: Baylor -1.5 (-110) NO BET
No bet · cover probability 49% doesn’t clear the 52.4% break-even at this price
Model leans Baylor to cover as a 1.5-point favorite at Kansas, but at 49% cover probability it's a low-confidence read that misses the 52.4% breakeven at -110 -- a no-bet.
  • A standalone ELO read gives Kansas a 47% win probability against Baylor.
  • Baylor's recent scoring margin (5.0 over its last four games) trails Kansas's (13.0) over the same stretch.
  • Once adjusted for schedule strength, the two sides are separated by 9.0 points of opponent-adjusted margin (Baylor +10.9, Kansas +19.8).
  • Baylor has outscored Kansas by an average of 33.2 points over their last five meetings, and carries an 83-point ELO gap (1524 vs 1607).
Per-model breakdown (home win probability)
Logistic Regression36%
Random Forest43%
XGBoost42%
LightGBM41%
Extra Trees40%
No. 8 BYU @ UCF
Sat Oct 24, 12:00 AM EDT
Model: UCF by -15.2 (21% win prob) · Market: BYU by 7.5
Moneyline pick: BYU (79% win prob) HIGH Confidence
Spread pick: BYU -7.5 (-113) HIGH Confidence
Recommended wager: $11.12 (1.2% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 55%
Model has a high-confidence lean on BYU to cover -7.5 at UCF, a 55% cover probability worth a 1.2% Kelly stake, built on a 205-point ELO gap and a 13.1-point opponent-adjusted margin edge.
  • A standalone ELO read already gives UCF only a 31% win probability outright.
  • BYU carries a 205-point ELO edge over UCF (1740 vs 1534).
  • BYU's recent scoring margin (-0.5 over its last four games) and yards-per-play (5.5) compare to UCF's 10.8 and 6.7 over the same stretch.
  • Once adjusted for schedule strength, BYU's opponent-adjusted margin (+26.8) outpaces UCF's (+13.7) by 13.1 points.
Per-model breakdown (home win probability)
Logistic Regression27%
Random Forest22%
XGBoost16%
LightGBM17%
Extra Trees26%
Colorado @ No. 18 Oklahoma State
Sat Oct 24, 12:00 AM EDT
Model: Oklahoma State by +10.6 (77% win prob) · Market: Oklahoma State by 13.5
Moneyline pick: Oklahoma State (77% win prob) HIGH Confidence
Spread pick: Colorado +13.5 (-108) NO BET
No bet · cover probability 50% doesn’t clear the 51.9% break-even at this price
Model takes Colorado and the +13.5 points at Oklahoma State, but it's a low-confidence, 50% cover-probability read that doesn't clear the 51.9% breakeven at -108 -- no bet.
  • Oklahoma State's recent scoring margin (21.8 over its last four games) is far ahead of Colorado's (-17.2).
  • A standalone ELO read gives Oklahoma State a 69% win probability.
  • Colorado has faced tougher recent competition than Oklahoma State, with an average opponent rating of +25.1 against +1.3.
  • Colorado has covered the spread in only 20% of its last five games, though it outscored Oklahoma State by an average of 11.0 points over their last two meetings.
Per-model breakdown (home win probability)
Logistic Regression74%
Random Forest79%
XGBoost64%
LightGBM61%
Extra Trees85%
No. 20 Houston @ No. 11 Utah
Sat Oct 24, 12:00 AM EDT
Model: Utah by +12.0 (77% win prob) · Market: Utah by 6.5
Moneyline pick: Utah (77% win prob) HIGH Confidence
Spread pick: Utah -6.5 (-114) NO BET
No bet · cover probability 53% doesn’t clear the 53.3% break-even at this price
Model backs Utah to cover -6.5 at home against Houston, a medium-confidence 53% cover probability that lands just under the 53.3% breakeven at -114 -- no bet.
  • A standalone ELO read gives Utah a 69% win probability.
  • Utah's recent scoring margin (16.8 over its last four games) edges Houston's (11.5).
  • Once adjusted for schedule strength, Utah's opponent-adjusted margin (+29.3) is 5.0 points ahead of Houston's (+24.2), even though Houston has faced the tougher recent slate by average opponent rating (+11.0 vs +9.0).
  • Houston has covered the spread in 40% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression74%
Random Forest74%
XGBoost78%
LightGBM70%
Extra Trees70%
Iowa State @ Arizona
Sat Oct 24, 12:00 AM EDT
Model: Arizona by +9.1 (77% win prob) · Market: Arizona by 10.0
Moneyline pick: Arizona (77% win prob) HIGH Confidence
Spread pick: Iowa State +10.0 (-112) NO BET
No bet · cover probability 48% doesn’t clear the 52.8% break-even at this price
Model takes Iowa State and the +10.0 points at Arizona, but it's a low-confidence, 48% cover-probability read, well short of the 52.8% breakeven at -112 -- no bet.
  • A standalone ELO read gives Arizona a 72% win probability.
  • Arizona's recent scoring margin (20.8 over its last four games) is well ahead of Iowa State's (5.8).
  • Iowa State has faced tougher recent competition than Arizona by average opponent rating (+11.8 vs -3.3), and the two grade out even on opponent-adjusted margin (+17.1 vs +17.2).
  • Arizona has converted third downs at a 58% clip over its last four games against Iowa State's 31%.
Per-model breakdown (home win probability)
Logistic Regression75%
Random Forest74%
XGBoost73%
LightGBM72%
Extra Trees72%
Kansas State @ Arizona State
Sat Oct 24, 12:00 AM EDT
Model: Arizona State by -4.8 (41% win prob) · Market: Kansas State by 3.0
Moneyline pick: Kansas State (59% win prob) LOW Confidence
Spread pick: Kansas State -3.0 (-105) NO BET
No bet · cover probability 49% doesn’t clear the 51.2% break-even at this price
Model backs Kansas State to cover as a 3.0-point favorite at Arizona State, a low-confidence, 49% cover-probability read that misses the 51.2% breakeven at -105 -- no bet.
  • A standalone ELO read has the game close, giving Arizona State a 49% win probability.
  • Kansas State's recent scoring margin (-9.8 over its last four games) trails Arizona State's (-0.5).
  • Once adjusted for schedule strength, Kansas State's opponent-adjusted margin (-0.6) is 11.3 points ahead of Arizona State's (+10.7).
  • Kansas State's yards-per-play (5.4) and ELO rating (1537, a 75-point gap against Arizona State's 1612) round out the model's read.
Per-model breakdown (home win probability)
Logistic Regression47%
Random Forest39%
XGBoost38%
LightGBM38%
Extra Trees45%
No. 10 Texas Tech @ Cincinnati
Sat Oct 24, 12:00 AM EDT
Model: Cincinnati by -11.2 (25% win prob) · Market: Texas Tech by 11.5
Moneyline pick: Texas Tech (75% win prob) MEDIUM Confidence
Spread pick: Cincinnati +11.5 (-108) NO BET
No bet · cover probability 48% doesn’t clear the 51.9% break-even at this price
Model takes Cincinnati and the +11.5 points at home against Texas Tech, a low-confidence, 48% cover-probability read that falls short of the 51.9% breakeven at -108 -- no bet.
  • A standalone ELO read gives Cincinnati only a 33% win probability.
  • Texas Tech's recent scoring margin (-5.2 over its last four games) trails Cincinnati's (21.8).
  • Once adjusted for schedule strength, Texas Tech's opponent-adjusted margin (+3.7) is 22.9 points behind Cincinnati's (+26.7), and Texas Tech carries a 185-point ELO edge (1744 vs 1560).
  • Cincinnati has converted third downs at a 46% clip over its last four games against Texas Tech's 41%.
Per-model breakdown (home win probability)
Logistic Regression27%
Random Forest24%
XGBoost27%
LightGBM32%
Extra Trees27%
Virginia Tech @ Clemson
Sat Oct 24, 12:00 AM EDT
Model: Clemson by +5.7 (67% win prob) · Market: Clemson by 1.5
Moneyline pick: Clemson (67% win prob) MEDIUM Confidence
Spread pick: Clemson -1.5 (-112) NO BET
No bet · cover probability 52% doesn’t clear the 52.8% break-even at this price
Model backs Clemson to cover as a 1.5-point favorite at home against Virginia Tech, a medium-confidence 52% cover probability that lands just under the 52.8% breakeven at -112 -- no bet.
  • A standalone ELO read gives Clemson a 60% win probability.
  • Clemson's recent scoring margin (7.8 over its last four games) edges Virginia Tech's (2.5), though Virginia Tech holds the edge in yards-per-play (5.3 vs 6.2).
  • Clemson has outscored Virginia Tech by an average of 17.4 points over their last five meetings.
  • Virginia Tech has covered the spread in 40% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression65%
Random Forest61%
XGBoost60%
LightGBM66%
Extra Trees62%
Oregon @ Illinois
Sat Oct 24, 12:00 AM EDT
Model: Illinois by -9.9 (26% win prob) · Market: Oregon by 12.5
Moneyline pick: Oregon (74% win prob) MEDIUM Confidence
Spread pick: Illinois +12.5 (-110) NO BET
No bet · cover probability 50% doesn’t clear the 52.4% break-even at this price
Model takes Illinois and the +12.5 points at home against Oregon, a low-confidence, 50% cover-probability read that misses the 52.4% breakeven at -110 -- no bet.
  • A standalone ELO read gives Illinois only a 36% win probability, and Oregon carries a 163-point ELO edge overall (1566 vs 1729).
  • Oregon's recent scoring margin (2.2 over its last four games) trails Illinois's 24.8 over the same stretch.
  • Once adjusted for schedule strength, Oregon's opponent-adjusted margin (+9.1) is 17.3 points behind Illinois's (+26.5).
  • Illinois has converted third downs at a 45% clip over its last four games against Oregon's 39%.
Per-model breakdown (home win probability)
Logistic Regression23%
Random Forest28%
XGBoost27%
LightGBM29%
Extra Trees36%
No. 17 Iowa @ Minnesota
Sat Oct 24, 12:00 AM EDT
Model: Minnesota by -8.1 (25% win prob) · Market: Iowa by 5.5
Moneyline pick: Iowa (75% win prob) MEDIUM Confidence
Spread pick: Iowa -5.5 (-112) NO BET
No bet · cover probability 50% doesn’t clear the 52.8% break-even at this price
Model backs Iowa to cover as a 5.5-point favorite on the road at Minnesota, a low-confidence, 50% cover-probability read that misses the 52.8% breakeven at -112 -- no bet.
  • A standalone ELO read gives Minnesota only a 38% win probability.
  • Iowa's recent scoring margin (3.8 over its last four games) trails Minnesota's (14.0), and Minnesota holds the edge in yards-per-play as well (5.2 vs 6.9).
  • Once adjusted for schedule strength, Iowa's opponent-adjusted margin (+5.1) is 13.7 points behind Minnesota's (+18.8).
  • Iowa has outscored Minnesota by an average of 12.2 points over their last five meetings.
Per-model breakdown (home win probability)
Logistic Regression23%
Random Forest26%
XGBoost26%
LightGBM28%
Extra Trees33%
Michigan State @ No. 12 UCLA
Sat Oct 24, 12:00 AM EDT
Model: UCLA by +22.1 (90% win prob) · Market: UCLA by 13.5
Moneyline pick: UCLA (90% win prob) HIGH Confidence
Spread pick: UCLA -13.5 (-110) HIGH Confidence
Recommended wager: $18.72 (2.0% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 56%
Model has a high-confidence lean on UCLA to cover -13.5 at home against Michigan State, a 56% cover probability maxed out at a 2.0% Kelly stake, built on a 200-point ELO gap and a 17.4-point opponent-adjusted margin edge.
  • A standalone ELO read already gives UCLA an 82% win probability, with a 200-point ELO edge overall (1638 vs 1438).
  • UCLA's recent scoring margin (19.2 over its last four games) is well ahead of Michigan State's (-12.5).
  • Once adjusted for schedule strength, UCLA's opponent-adjusted margin (+27.5) is 17.4 points ahead of Michigan State's (+10.0).
  • Michigan State has faced tougher recent competition than UCLA by average opponent rating (+20.5 vs +14.9).
Per-model breakdown (home win probability)
Logistic Regression90%
Random Forest94%
XGBoost96%
LightGBM95%
Extra Trees93%
No. 22 LSU @ Auburn
Sat Oct 24, 12:00 PM EDT
Model: Auburn by -12.6 (24% win prob) · Market: LSU by 6.5
Moneyline pick: LSU (76% win prob) HIGH Confidence
Spread pick: LSU -6.5 (-122) NO BET
No bet · cover probability 54% doesn’t clear the 55.0% break-even at this price
Model backs LSU to cover -6.5 at Auburn, a medium-confidence pick at 54% cover probability built on an 18.9-point opponent-adjusted margin edge, but that falls just short of the 55.0% breakeven at -122, so it's a no-bet.
  • A standalone pre-game ELO read gives Auburn only a 43% win probability, well below LSU's full-model 76%.
  • Once schedule strength is factored in, LSU's opponent-adjusted margin (+39.3) outpaces Auburn's (+20.5) by 18.9 points.
  • LSU's recent scoring margin (-1.5 over its last four games) and yards-per-play (5.2) trail Auburn's (27.0 and 6.5) over the same stretch.
  • LSU has covered the spread in just 40% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression18%
Random Forest25%
XGBoost27%
LightGBM34%
Extra Trees31%
West Virginia @ TCU
Sat Oct 24, 12:00 PM EDT
Model: TCU by +11.3 (79% win prob) · Market: TCU by 7.0
Moneyline pick: TCU (79% win prob) HIGH Confidence
Spread pick: TCU -7.0 (-115) NO BET
No bet · cover probability 52% doesn’t clear the 53.5% break-even at this price
Model backs TCU to cover -7.0 at home against West Virginia, a medium-confidence 52% cover probability that lands just under the 53.5% breakeven at -115 -- no bet.
  • A standalone ELO read gives TCU a 76% win probability.
  • TCU's recent scoring margin (5.0 over its last four games) is ahead of West Virginia's (-9.5), though West Virginia holds the edge in yards-per-play (5.4 vs 6.5).
  • Once adjusted for schedule strength, TCU's opponent-adjusted margin (+16.9) is 9.1 points ahead of West Virginia's (+7.8).
  • West Virginia has outscored TCU by an average of 3.4 points over their last five meetings.
Per-model breakdown (home win probability)
Logistic Regression82%
Random Forest74%
XGBoost74%
LightGBM70%
Extra Trees71%
California @ No. 24 SMU
Sat Oct 24, 12:00 PM EDT
Model: SMU by +13.2 (86% win prob) · Market: SMU by 17.5
Moneyline pick: SMU (86% win prob) HIGH Confidence
Spread pick: California +17.5 (-114) NO BET
No bet · cover probability 52% doesn’t clear the 53.3% break-even at this price
Model takes California and the +17.5 points at SMU, a medium-confidence, 52% cover-probability read that misses the 53.3% breakeven at -114 -- no bet.
  • A standalone ELO read gives SMU an 85% win probability, and SMU carries a 231-point ELO edge overall (1677 vs 1446).
  • SMU's recent scoring margin (4.8 over its last four games) is well ahead of California's (-12.8).
  • California has faced tougher recent competition than SMU by average opponent rating (+9.0 vs +0.9).
  • California has covered the spread in just 20% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression89%
Random Forest86%
XGBoost80%
LightGBM82%
Extra Trees85%
Pittsburgh @ No. 3 Miami
Sat Oct 24, 12:00 PM EDT
Model: Miami by +21.2 (88% win prob) · Market: Miami by 23.5
Moneyline pick: Miami (88% win prob) HIGH Confidence
Spread pick: Pittsburgh +23.5 (-110) NO BET
No bet · extreme-mismatch pick (market spread -23.5): the model's margin regressor under-predicts blowouts and takes the underdog in most of these, which lost its edge when 2026 favorites started covering big spreads more often than 2025's did (market-wide shift, still being confirmed) -- staked at zero until this resolves, not because of low confidence
Model's margin regressor takes Pittsburgh and the +23.5 points at Miami, but it's staked at zero as an explicit extreme-mismatch call -- the model under-predicts blowouts on market spreads this wide, not because of low confidence in the pick itself.
  • A standalone ELO read gives Miami an 80% win probability, and Miami carries a 176-point ELO edge overall (1799 vs 1622).
  • Once adjusted for schedule strength, Miami's opponent-adjusted margin (+32.9) is 20.0 points ahead of Pittsburgh's (+12.9).
  • Miami has faced tougher recent competition than Pittsburgh by average opponent rating (+9.6 vs -6.9), and holds the edge in recent scoring margin (24.5 vs 12.8 over the last four games).
  • The model flags this specifically as an extreme-mismatch case at a -23.5 market spread: 2026 favorites have been covering big numbers more often than in 2025, a market-wide shift the model hasn't yet confirmed, so the stake is held at zero rather than sized down.
Per-model breakdown (home win probability)
Logistic Regression88%
Random Forest90%
XGBoost93%
LightGBM93%
Extra Trees83%
No. 5 Indiana @ Michigan
Sat Oct 24, 12:00 PM EDT
Model: Michigan by -9.3 (28% win prob) · Market: Indiana by 8.5
Moneyline pick: Indiana (72% win prob) MEDIUM Confidence
Spread pick: Indiana -8.5 (-109) NO BET
No bet · cover probability 48% doesn’t clear the 52.2% break-even at this price
Model backs Indiana to cover as an 8.5-point favorite on the road at Michigan, a low-confidence, 48% cover-probability read that misses the 52.2% breakeven at -109 -- no bet.
  • A standalone ELO read gives Michigan only a 33% win probability, while Indiana carries a 190-point ELO edge overall (1811 vs 1621).
  • Indiana's recent scoring margin (7.8 over its last four games) and Michigan's (9.2) are close over the same stretch.
  • Indiana has faced tougher recent competition than Michigan by average opponent rating (+19.9 vs +3.7).
  • Once adjusted for schedule strength, Indiana's opponent-adjusted margin (+28.5) is 16.6 points ahead of Michigan's (+11.9).
Per-model breakdown (home win probability)
Logistic Regression23%
Random Forest30%
XGBoost34%
LightGBM30%
Extra Trees35%
Rutgers @ No. 25 Northwestern
Sat Oct 24, 12:00 PM EDT
Model: Northwestern by +19.7 (86% win prob) · Market: Northwestern by 16.5
Moneyline pick: Northwestern (86% win prob) HIGH Confidence
Spread pick: Northwestern -16.5 (-115) NO BET
No bet · cover probability 51% doesn’t clear the 53.5% break-even at this price
Model backs Northwestern to cover as a 16.5-point favorite at home against Rutgers, a medium-confidence 51% cover probability that falls short of the 53.5% breakeven at -115 -- no bet.
  • A standalone ELO read gives Northwestern a 76% win probability, with a 135-point ELO edge overall (1633 vs 1498).
  • Once adjusted for schedule strength, Northwestern's opponent-adjusted margin (+24.7) is 27.5 points ahead of Rutgers's (-2.9).
  • Northwestern's recent scoring margin (12.2 over its last four games) tops Rutgers's (4.8).
  • Rutgers has covered the spread in 60% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression85%
Random Forest86%
XGBoost89%
LightGBM86%
Extra Trees80%
Rice @ Florida Atlantic
Sat Oct 24, 12:00 PM EDT
Model: Florida Atlantic by +3.7 (75% win prob) · Market: Florida Atlantic by 10.5
Moneyline pick: Florida Atlantic (75% win prob) HIGH Confidence
Spread pick: Rice +10.5 (-110) MEDIUM Confidence
Recommended wager: $9.61 (1.0% of $939.14 paper bankroll, 25% Kelly capped at 2%) · cover probability 54%
Model takes Rice and the +10.5 points at Florida Atlantic, a medium-confidence 54% cover probability worth a 1.0% Kelly stake, built on Rice facing the tougher recent schedule.
  • Rice has faced considerably tougher recent competition than Florida Atlantic, by average opponent rating (-0.0 vs -22.6).
  • A standalone ELO read gives Florida Atlantic a 74% win probability.
  • Florida Atlantic's recent scoring margin (14.5 over its last four games) is well ahead of Rice's (-13.2), and Florida Atlantic has converted third downs at a 53% clip against Rice's 27% over the same stretch.
  • Once adjusted for schedule strength, the gap narrows to 4.7 points of opponent-adjusted margin (Rice -12.6, Florida Atlantic -7.9).
Per-model breakdown (home win probability)
Logistic Regression75%
Random Forest78%
XGBoost58%
LightGBM58%
Extra Trees78%
Western Michigan @ Toledo
Sat Oct 24, 12:00 PM EDT
Model: Toledo by +5.4 (66% win prob) · Market: Toledo by 3.0
Moneyline pick: Toledo (66% win prob) MEDIUM Confidence
Spread pick: Toledo -3.0 (-109) NO BET
No bet · cover probability 50% doesn’t clear the 52.2% break-even at this price
Model backs Toledo to cover as a 3.0-point favorite at home against Western Michigan, a low-confidence, 50% cover-probability read that misses the 52.2% breakeven at -109 -- no bet.
  • A standalone ELO read gives Toledo a 61% win probability.
  • Toledo's recent scoring margin (11.2 over its last four games) is ahead of Western Michigan's (4.0).
  • Western Michigan has faced tougher recent competition than Toledo by average opponent rating (-6.3 vs -14.6), and holds a 2.8-point opponent-adjusted margin edge once schedule strength is factored in (-3.4 vs -0.6).
  • Western Michigan has covered the spread in only 20% of its last five games.
Per-model breakdown (home win probability)
Logistic Regression59%
Random Forest64%
XGBoost66%
LightGBM59%
Extra Trees63%
Akron @ Kent State
Sat Oct 24, 1:00 PM EDT
Model: Kent State by +1.7 (61% win prob) · Market: Kent State by 3.5
Moneyline pick: Kent State (61% win prob) MEDIUM Confidence
Spread pick: Akron +3.5 (-110) NO BET
No bet · cover probability 49% doesn’t clear the 52.4% break-even at this price
Model takes Akron and the +3.5 points at Kent State, a low-confidence, 49% cover-probability read that misses the 52.4% breakeven at -110 -- no bet.
  • Kent State's recent scoring margin (-12.0 over its last four games) and Akron's (-18.5) are both well below zero, the model's top listed factor here.
  • A standalone ELO read gives Kent State a 63% win probability.
  • Akron has covered the spread in only 20% of its last five games.
  • Akron holds the edge in recent yards-per-play (4.2 vs 5.3), and once adjusted for schedule strength the two sides are separated by just 1.5 points of opponent-adjusted margin (Akron -22.0, Kent State -20.5).
Per-model breakdown (home win probability)
Logistic Regression60%
Random Forest61%
XGBoost54%
LightGBM53%
Extra Trees60%
Miami (OH) @ Central Michigan
Sat Oct 24, 1:00 PM EDT
Model: Central Michigan by +0.2 (51% win prob) · Market: Central Michigan by 1.5
Moneyline pick: Central Michigan (51% win prob) LOW Confidence
Spread pick: Miami (OH) +1.5 (-112) NO BET
No bet · cover probability 48% doesn’t clear the 52.8% break-even at this price
Model takes Miami (OH) and the +1.5 points at Central Michigan, a low-confidence, 48% cover-probability read that misses the 52.8% breakeven at -112 -- no bet.
  • A standalone ELO read has this one close, giving Central Michigan a 49% win probability.
  • Miami (OH)'s recent scoring margin (-12.2 over its last four games) trails Central Michigan's (5.0).
  • Central Michigan has faced tougher recent competition than Miami (OH) by average opponent rating (+2.0 vs -13.9), yet Miami (OH) carries a 73-point ELO edge overall (1534 vs 1460) and has outscored Central Michigan by an average of 18.4 points over their last five meetings.
Per-model breakdown (home win probability)
Logistic Regression51%
Random Forest51%
XGBoost50%
LightGBM57%
Extra Trees41%