luckadjusted
CFB Week 4 · 2026

Week 1 2025 · August 30, 2025

Toledo at Kentucky, Week 1 2025: who deserved to win?

Kentucky beat Toledo 24–16, and the replays back it up: with the way both teams actually played, Kentucky wins 9 of 10. Toledo had the bounces: fumble bounces alone were worth 8 points of win probability to Toledo.

Before kickoff Kentucky was a 74% favorite.

Final

Toledo Rockets 16
Kentucky Wildcats 24

August 30, 2025 · Kroger Field · Closing line: Kentucky −10

Luck index +6 Kentucky about even · −6 Toledo

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. Toledo wins 1, Kentucky wins 9.

  1. 1 TOL 27 UK 21
  2. 2 TOL 10 UK 13
  3. 3 TOL 21 UK 28
  4. 4 TOL 13 UK 24
  5. 5 TOL 0 UK 14
  6. 6 TOL 10 UK 28
  7. 7 TOL 10 UK 31
  8. 8 TOL 17 UK 41
  9. 9 TOL 7 UK 38
  10. 10 TOL 7 UK 47

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

Toledo wins 6% of them, Kentucky 94%, counting the 1% still level after regulation as half each. The line is what actually happened: Kentucky by 8.

Show as a table
Final margin in the replaysShare of replays
Toledo by 17+0.5%
Toledo by 9–160.9%
Toledo by 1–84.5%
Level after regulation0.8%
Kentucky by 1–810.9%
Kentucky by 9–1619.2%
Kentucky by 17+63.2%

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 +3.8 points to Kentucky: the final margin was Kentucky by 8, without the luck Kentucky by 4.2. Luck shares are the fitted ones (how much of each kind is luck).

Penalties: Toledo 9 for 90 yards, Kentucky 0 for 0 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 14:46 Holding on Toledo, 10 yards +2% TOL +1.0 pts
Q1 7:58 Pass Interference on Toledo, 9 yards +3% UK +1.8 pts
Q1 5:04 Personal Foul on Toledo, 12 yards, wiping out the play +3% UK +2.5 pts
Q2 12:41 False Start on Toledo, 5 yards · pre-snap +2% UK +1.1 pts
Q3 12:56 Pass Interference on Toledo, 15 yards +4% UK +2.4 pts
Q3 9:27 False Start on Toledo, 5 yards · pre-snap +1% UK +0.7 pts
Q4 12:56 Pass Interference on Toledo, 14 yards +2% UK +1.8 pts
Q4 9:38 Pass Interference on Toledo, 15 yards +1% UK +1.1 pts
Q4 1:45 Offside on Toledo, 5 yards · pre-snap 0% TOL +0.2 pts

When it happened

Kentucky’s chance of winning

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 Kentucky was ahead in it, below while Toledo was.
#WhenWhat happenedWin probability forNext drive
1 Q1 12:55 Kentucky converted 3rd & 73rd & 4th downs · 33% expected +4% UK UK: Punt
2 Q1 5:04 Personal Foul on Toledo, 12 yards, wiping out the playJudgment calls +3% UK UK: Turnover
3 Q1 2:00 Toledo converted 3rd & 83rd & 4th downs · 31% expected +4% TOL TOL: Punt
4 Q2 10:35 Kentucky fumbled and Toledo recoveredFumble bounces · loose balls are close to 50/50 +3% TOL UK: Field goal
5 Q2 9:39 Toledo converted 3rd & 73rd & 4th downs · 34% expected +4% TOL TOL: Turnover on downs
6 Q2 7:28 Toledo was stopped on 4th & 13rd & 4th downs · 75% expected +6% UK TOL: Punt
7 Q3 12:56 Pass Interference on Toledo, 15 yardsJudgment calls +4% UK UK: Punt
8 Q3 7:22 Kentucky converted 3rd & 53rd & 4th downs · 41% expected +3% UK UK: Punt

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

Toledo 26% · Kentucky 74%

Final margin
Kentucky by 8
Luck in points
3.8 for Kentucky
Luck-adjusted margin
Kentucky by 4.2
Replay with same day's form
Toledo 6% · Kentucky 94% 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 Week 1 2025 games · Toledo · Kentucky

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