luckadjusted
CFB Week 4 · 2026

Week 13 2025 · November 22, 2025

UL Monroe at Texas State, Week 13 2025: who deserved to win?

Texas State beat UL Monroe 31–14, and the replays back it up: with the way both teams actually played, Texas State wins 8 of 10.

Before kickoff Texas State was a 91% favorite.

Final

UL Monroe Warhawks 14
Texas State Bobcats 31

November 22, 2025 · Bobcat Stadium (TX) · Closing line: Texas State −20.5

Luck index +18 Texas State about even · −18 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. UL Monroe wins 2, Texas State wins 8.

  1. 1 ULM 20 TXST 7
  2. 2 ULM 20 TXST 17
  3. 3 ULM 17 TXST 19
  4. 4 ULM 21 TXST 27
  5. 5 ULM 14 TXST 24
  6. 6 ULM 21 TXST 34
  7. 7 ULM 21 TXST 37
  8. 8 ULM 3 TXST 24
  9. 9 ULM 3 TXST 29
  10. 10 ULM 7 TXST 45

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

UL Monroe wins 18% of them, Texas State 82%, counting the 4% still level after regulation as half each. The line is what actually happened: Texas State by 17.

Show as a table
Final margin in the replaysShare of replays
UL Monroe by 17+2.2%
UL Monroe by 9–164.8%
UL Monroe by 1–810.7%
Level after regulation3.8%
Texas State by 1–822.4%
Texas State by 9–1621.3%
Texas State by 17+34.8%

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 +4.2 points to Texas State: the final margin was Texas State by 17, without the luck Texas State by 12.8. Luck shares are the fitted ones (how much of each kind is luck).

Penalties: UL Monroe 4 for 50 yards, Texas State 4 for 35 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 5:06 False Start on Texas State, 5 yards · pre-snap +1% ULM +0.7 pts
Q1 3:49 Offside on Texas State, 5 yards · pre-snap +1% ULM +1.0 pts
Q2 13:33 Pass Interference on UL Monroe, 15 yards +2% TXST +1.9 pts
Q2 10:43 Personal Foul on Texas State, 15 yards 0% ULM +0.9 pts
Q2 4:31 False Start on UL Monroe, 5 yards · pre-snap +1% TXST +1.1 pts
Q2 1:34 Roughing the Passer on UL Monroe, 15 yards +1% TXST +0.6 pts
Q4 11:30 Holding on Texas State, 10 yards 0% ULM +0.8 pts
Q4 0:42 Personal Foul on UL Monroe, 15 yards +1% TXST +0.7 pts

When it happened

Texas State’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 Texas State was ahead in it, below while UL Monroe was.
#WhenWhat happenedWin probability forNext drive
1 Q1 11:52 UL Monroe converted 3rd & 83rd & 4th downs · 31% expected +2% ULM ULM: Punt
2 Q1 3:49 Offside on Texas State, 5 yardsPre-snap flags +1% ULM ULM: Punt
3 Q2 13:33 Pass Interference on UL Monroe, 15 yardsJudgment calls +2% TXST TXST: Field goal
4 Q2 12:41 Texas State was stopped on 3rd & 73rd & 4th downs · 38% expected +1% ULM TXST: Field goal
5 Q2 4:31 False Start on UL Monroe, 5 yardsPre-snap flags +1% TXST TXST: Punt
6 Q2 3:09 UL Monroe converted 3rd & 53rd & 4th downs · 41% expected +1% ULM ULM: Punt
7 Q3 12:58 UL Monroe was stopped on 4th & 13rd & 4th downs · 75% expected +4% TXST ULM: Touchdown
8 Q3 3:12 Texas State converted 3rd & 63rd & 4th downs · 34% expected +3% TXST TXST: 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

UL Monroe 1% · Texas State 99%

Final margin
Texas State by 17
Luck in points
4.2 for Texas State
Luck-adjusted margin
Texas State by 12.8
Replay with same day's form
UL Monroe 18% · Texas State 82% 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 13 2025 games · UL Monroe · Texas State

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