luckadjusted
CFB Week 4 · 2026

Week 12 2025 · November 12, 2025

Toledo at Miami (OH), Week 12 2025: who deserved to win?

Toledo beat Miami (OH) 24–3, and the replays back it up: with the way both teams actually played, Toledo wins 8 of 10.

Before kickoff Toledo was a 64% favorite. The biggest swing (Q2, 9:20 left): Miami (OH) was stopped on 4th & 1, worth 8 points of win probability to Toledo.

Final

Toledo Rockets 24
Miami (OH) RedHawks 3

November 12, 2025 · Yager Stadium · Closing line: Toledo −5.5

Luck index +18 Toledo about even · −18 Miami (OH)

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 8, Miami (OH) wins 2.

  1. 1 TOL 38 M-OH 7
  2. 2 TOL 24 M-OH 0
  3. 3 TOL 23 M-OH 3
  4. 4 TOL 16 M-OH 0
  5. 5 TOL 19 M-OH 6
  6. 6 TOL 17 M-OH 7
  7. 7 TOL 12 M-OH 7
  8. 8 TOL 13 M-OH 10
  9. 9 TOL 13 M-OH 17
  10. 10 TOL 0 M-OH 13

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 82% of them, Miami (OH) 18%, counting the 5% still level after regulation as half each. The line is what actually happened: Toledo by 21.

Show as a table
Final margin in the replaysShare of replays
Toledo by 17+35.6%
Toledo by 9–1623.3%
Toledo by 1–818.9%
Level after regulation4.6%
Miami (OH) by 1–810.4%
Miami (OH) by 9–165.6%
Miami (OH) by 17+1.6%

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 +5.5 points to Toledo: the final margin was Toledo by 21, without the luck Toledo by 15.5. 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.

  • D. Cunanan, 36 yds made · 78% expected
  • D. Dzioban, 26 yds made · 94% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: Toledo 5 for 43 yards, Miami (OH) 3 for 17 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 14:53 Offside on Toledo, 5 yards · pre-snap +3% TOL +0.9 pts
Q1 0:02 Illegal Block on Toledo, 10 yards +1% M-OH +0.6 pts
Q2 14:00 Holding on Toledo, 10 yards +1% M-OH +0.6 pts
Q2 4:08 False Start on Miami (OH), 5 yards · pre-snap +2% TOL +1.0 pts
Q2 3:07 Delay of Game on Miami (OH), 5 yards · pre-snap +2% TOL +0.7 pts
Q2 2:00 Holding on Toledo, 10 yards +1% M-OH +0.7 pts
Q2 0:18 Sideline Interference on Miami (OH), 7 yards +1% TOL +0.4 pts
Q4 7:37 Pass Interference on Toledo, 8 yards 0% M-OH +1.1 pts

When it happened

Miami (OH)’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 Miami (OH) was ahead in it, below while Toledo was.
#WhenWhat happenedWin probability forNext drive
1 Q1 14:53 Offside on Toledo, 5 yardsPre-snap flags +3% TOL M-OH: Turnover on downs
2 Q1 14:04 Miami (OH) converted 3rd & 23rd & 4th downs · 55% expected +3% M-OH M-OH: Turnover on downs
3 Q1 12:31 Miami (OH) was stopped on 4th & 63rd & 4th downs · 29% expected +3% TOL M-OH: Punt
4 Q1 9:43 Toledo converted 3rd & 103rd & 4th downs · 27% expected +4% TOL TOL: Turnover
5 Q1 0:11 Miami (OH) was stopped on 3rd & 23rd & 4th downs · 55% expected +3% TOL M-OH: Punt
6 Q2 11:33 Miami (OH) converted 3rd & 83rd & 4th downs · 24% expected +7% M-OH M-OH: Turnover on downs
7 Q2 9:20 Miami (OH) was stopped on 4th & 13rd & 4th downs · 69% expected +8% TOL M-OH: Touchdown
8 Q2 3:40 Miami (OH) converted 3rd & 83rd & 4th downs · 24% expected +4% M-OH M-OH: Turnover

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 100% · Miami (OH) 0%

Final margin
Toledo by 21
Luck in points
5.5 for Toledo
Luck-adjusted margin
Toledo by 15.5
Replay with same day's form
Toledo 82% · Miami (OH) 18% 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 · Toledo · Miami (OH)

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