luckadjusted
CFB Week 4 · 2026

IS4S Salute to Veterans Bowl · December 16, 2025

Troy vs Jacksonville State, IS4S Salute to Veterans Bowl 2025: who deserved to win?

Jacksonville State beat Troy 17–13, and the replays lean its way: with the same day's form, it wins 6 of 10.

Before kickoff Jacksonville State was a 59% favorite. The biggest swing (Q1, 1:39 left): Return touchdown by Troy, worth 21 points of win probability to Troy.

Final

Troy Trojans 13
Jacksonville State Gamecocks 17

December 16, 2025 · Cramton Bowl · Closing line: Jacksonville State −3.5

Luck index +35 Jacksonville State lucky · −35 Troy

Each team’s own plays from this game, resampled into new drives 4,000 times: with the way both teams actually played, how often does this performance win? How the replay works

Ten replays. Troy wins 4, Jacksonville State wins 6.

  1. 1 TROY 16 JXST 0
  2. 2 TROY 20 JXST 10
  3. 3 TROY 16 JXST 10
  4. 4 TROY 12 JXST 10
  5. 5 TROY 13 JXST 15
  6. 6 TROY 5 JXST 10
  7. 7 TROY 10 JXST 19
  8. 8 TROY 9 JXST 21
  9. 9 TROY 7 JXST 23
  10. 10 TROY 8 JXST 31

Three other ways to ask

Each answers a different question, so none of them replaces the replay above.

The closing betting line, turned into a probability. What everyone knew before the game.

The line plus what this game showed, weighted by how much one game can tell. It stays close to the line because one game says little.

Every kick, fumble bounce, conversion and judgment call redrawn; everything else fixed. The narrowest view of luck.

How 4,000 replays ended

Troy wins 35% of them, Jacksonville State 65%, counting the 2% still level after regulation as half each. The line is what actually happened: Jacksonville State by 4.

Show as a table
Final margin in the replaysShare of replays
Troy by 17+4.3%
Troy by 9–1611.0%
Troy by 1–818.2%
Level after regulation2.4%
Jacksonville State by 1–826.9%
Jacksonville State by 9–1618.7%
Jacksonville State by 17+18.5%

Where the luck was

What the luck was worth

Every lucky and unlucky play, weighted by the moment it happened: its swing in win probability, added up by kind. A missed kick in a decided game counts for nothing; the same kick at the end of a tie game can be most of a win.

Swings add up across a game, so in one that went back and forth they can pass 100%. On the scoreboard the same luck was worth +4.6 points to Jacksonville State: the final margin was Jacksonville State by 4, without the luck Troy by 0.6. Luck shares are the fitted ones (how much of each kind is luck).

The kicks

How likely each kicker was to make that kick (his own record, the distance), and what happened.

  • S. Renfroe, 38 yds made · 76% expected
  • S. Renfroe, 30 yds made · 87% expected
  • G. Rippa, 51 yds made · 52% expected
  • S. Renfroe, 49 yds missed · 56% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: Troy 3 for 15 yards, Jacksonville State 2 for 30 yards

Every accepted flag, in order, and what it did to the helped team’s chance of winning at that moment, including any play it wiped out (points on the scoreboard in grey). A flag in a decided game is worth nothing; one at the turn of a close game can be worth most of a win. Judgment calls count toward luck, pre-snap fouls mostly don’t. How calls are valued

WhenFlagWin probability for
Q1 15:00 Illegal Substitution on Troy, 5 yards · pre-snap +2% JXST +0.8 pts
Q1 2:59 False Start on Troy, 5 yards · pre-snap +1% JXST +0.5 pts
Q3 4:10 Unsportsmanlike Conduct on Jacksonville State, 15 yards +7% TROY +1.7 pts
Q3 0:50 Offside on Troy, 5 yards · pre-snap 0% JXST +4.0 pts
Q4 3:23 Unsportsmanlike Conduct on Jacksonville State, 15 yards +4% TROY +1.0 pts

When it happened

Jacksonville State’s chance of winning

As low as 30% and as high as 100%. Numbers mark the biggest luck moments, listed below.

Our in-game win probability: the score, the value of the possession and the time left, starting from the betting line. Overtime has no clock and is drawn at a fixed width. Shaded above the middle while Jacksonville State was ahead in it, below while Troy was.
#WhenWhat happenedWin probability forNext drive
1 Q1 1:39 Jacksonville State was stopped on 3rd & 103rd & 4th downs · 22% expectedJacksonville State fumbled and Troy recoveredFumble bounces · loose balls are close to 50/50Return touchdown by TroySpecial teams +21% TROY JXST: End of half
2 Q2 8:30 Troy converted 3rd & 183rd & 4th downs · 16% expected +8% TROY TROY: Field goal
3 Q3 15:00 Jacksonville State was stopped on 3rd & 33rd & 4th downs · 48% expected +5% TROY JXST: Punt
4 Q3 4:10 Jacksonville State converted 3rd & 73rd & 4th downs · 29% expectedJacksonville State was stopped on 3rd & 43rd & 4th downs · 42% expectedS. Renfroe missed a 49-yard field goalKicks · 56% expected for him, 3 of 9 from 45+ beforeUnsportsmanlike Conduct on Jacksonville State, 15 yardsJudgment calls +5% JXST JXST: Punt
5 Q4 15:00 Jacksonville State converted 3rd & 33rd & 4th downs · 48% expectedJacksonville State converted 3rd & 13rd & 4th downs · 72% expectedJacksonville State converted 3rd & 93rd & 4th downs · 24% expected +15% JXST JXST: Touchdown
6 Q4 9:56 Troy was stopped on 3rd & 63rd & 4th downs · 35% expected +6% JXST TROY: Turnover on downs
7 Q4 5:34 Troy was stopped on 4th & 63rd & 4th downs · 34% expectedJacksonville State was stopped on 3rd & 63rd & 4th downs · 33% expected +10% JXST TROY: Turnover
8 Q4 3:23 Unsportsmanlike Conduct on Jacksonville State, 15 yardsJudgment calls +4% TROY TROY: End of game

Adjust the assumptions

Disagree with how much of a fumble bounce or a pass interference call is luck? Change it and the coin-flip replay reruns in your browser.

Only coin-flips re-rolled

Troy 54% · Jacksonville State 46%

Final margin
Jacksonville State by 4
Luck in points
4.6 for Jacksonville State
Luck-adjusted margin
Troy by 0.6
Replay with same day's form
Troy 35% · Jacksonville State 65% unchanged: why
How much of each is luck?

0% treats it as skill, 100% as pure luck. The tick is our fit.

What counts

None by default: our tests measured no carryover after a lucky break. Slide it up to count a break for more than its own swing. Why

Flip a play

Force the other outcome, in this game and in every replay: a made kick becomes a miss, a stop becomes a conversion, a flag goes the other way.

About these numbers

Play-by-play and expected points from CollegeFootballData.com via cfbfastR; win probability from our own model of the score, the possession and the betting line; kicks valued against each kicker’s own record. College play-by-play has no charting of drops or interception-worthy throws and no injury reports, so those kinds of luck aren’t counted here.

Methodology and validation · All Bowl games 2025 games · Troy · Jacksonville State

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