luckadjusted
CFB Week 4 · 2026

Week 12 2025 · November 15, 2025

South Alabama at UL Monroe, Week 12 2025: who deserved to win?

South Alabama beat UL Monroe 26–14, and the replays back it up: with the way both teams actually played, South Alabama wins 9 of 10. UL Monroe had the bounces: fumble bounces alone were worth 9 points of win probability to UL Monroe.

Before kickoff South Alabama was a 60% favorite. The biggest swing (Q1, 5:42 left): Return touchdown by UL Monroe, worth 28 points of win probability to UL Monroe.

Final

South Alabama Jaguars 26
UL Monroe Warhawks 14

November 15, 2025 · Malone Stadium · Closing line: South Alabama −4

Luck index +10 South Alabama about even · −10 UL Monroe

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. South Alabama wins 9, UL Monroe wins 1.

  1. 1 USA 50 ULM 14
  2. 2 USA 32 ULM 3
  3. 3 USA 35 ULM 10
  4. 4 USA 28 ULM 6
  5. 5 USA 29 ULM 10
  6. 6 USA 26 ULM 10
  7. 7 USA 17 ULM 5
  8. 8 USA 17 ULM 9
  9. 9 USA 10 ULM 7
  10. 10 USA 10 ULM 16

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

South Alabama wins 90% of them, UL Monroe 10%, counting the 1% still level after regulation as half each. The line is what actually happened: South Alabama by 12.

Show as a table
Final margin in the replaysShare of replays
South Alabama by 17+53.1%
South Alabama by 9–1622.0%
South Alabama by 1–814.8%
Level after regulation0.7%
UL Monroe by 1–86.7%
UL Monroe by 9–162.2%
UL Monroe by 17+0.5%

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 +4.5 points to South Alabama: the final margin was South Alabama by 12, without the luck South Alabama by 7.5. Luck shares are the fitted ones (how much of each kind is luck).

Penalties: South Alabama 6 for 55 yards, UL Monroe 8 for 101 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 4:05 Delay of Game on South Alabama, 5 yards · pre-snap +1% ULM +0.7 pts
Q1 3:09 Personal Foul on South Alabama, 15 yards +2% ULM +0.9 pts
Q1 2:15 Holding on UL Monroe, 10 yards +4% USA +2.2 pts
Q2 15:00 Horse Collar Tackle on UL Monroe, 16 yards +5% USA +2.8 pts
Q2 14:16 Holding on UL Monroe, 10 yards +1% USA +0.3 pts
Q2 9:31 False Start on South Alabama, 5 yards · pre-snap +2% ULM +0.6 pts
Q2 9:24 Holding on South Alabama, 10 yards +2% ULM +0.6 pts
Q2 4:35 Holding on UL Monroe, 10 yards +2% USA +0.9 pts
Q2 0:25 Holding on UL Monroe, 10 yards +1% USA +0.4 pts
Q3 10:02 Pass Interference on South Alabama, 15 yards +4% ULM +1.3 pts
Q3 8:58 Unnecessary Roughness on UL Monroe, 15 yards +3% USA +0.9 pts
Q3 7:42 Personal Foul on UL Monroe, 15 yards +4% USA +1.3 pts
Q3 4:23 Personal Foul on UL Monroe, 15 yards +3% USA +0.9 pts
Q4 5:58 Delay of Game on South Alabama, 5 yards · pre-snap 0% ULM +0.3 pts

When it happened

UL Monroe’s chance of winning

As low as 0% and as high as 78%. 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 UL Monroe was ahead in it, below while South Alabama was.
#WhenWhat happenedWin probability forNext drive
1 Q1 12:04 South Alabama converted 3rd & 63rd & 4th downs · 39% expected +4% USA USA: Punt
2 Q1 5:42 South Alabama fumbled and UL Monroe recoveredFumble bounces · loose balls are close to 50/50Return touchdown by UL MonroeSpecial teams +28% ULM USA: Punt
3 Q2 15:00 Horse Collar Tackle on UL Monroe, 16 yardsJudgment calls +5% USA USA: Touchdown
4 Q2 6:20 UL Monroe converted 3rd & 73rd & 4th downs · 32% expected +5% ULM ULM: Turnover on downs
5 Q3 11:36 South Alabama converted 3rd & 133rd & 4th downs · 23% expected +9% USA USA: Touchdown
6 Q3 10:02 Pass Interference on South Alabama, 15 yardsJudgment calls +4% ULM ULM: Punt
7 Q3 8:58 UL Monroe was stopped on 3rd & 203rd & 4th downs · 14% expectedUnnecessary Roughness on UL Monroe, 15 yardsJudgment calls +4% USA ULM: Punt
8 Q3 6:31 South Alabama converted 3rd & 93rd & 4th downs · 30% expected +6% USA USA: Touchdown

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

South Alabama 92% · UL Monroe 8%

Final margin
South Alabama by 12
Luck in points
4.5 for South Alabama
Luck-adjusted margin
South Alabama by 7.5
Replay with same day's form
South Alabama 90% · UL Monroe 10% 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 12 2025 games · South Alabama · UL Monroe

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