luckadjusted
CFB Week 4 · 2026

Week 2 2025 · September 5, 2025

James Madison at Louisville, Week 2 2025: who deserved to win?

Louisville beat James Madison 28–14, and the replays lean its way: with the same day's form, it wins 8 of 10.

Before kickoff Louisville was an 84% favorite. The biggest swing (Q4, 13:05 left): Return touchdown by Louisville, worth 10 points of win probability to Louisville.

Final

James Madison Dukes 14
Louisville Cardinals 28

September 5, 2025 · L&N Federal Credit Union Stadium · Closing line: Louisville −15.5

Luck index +23 Louisville about even · −23 James Madison

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. James Madison wins 2, Louisville wins 8.

  1. 1 JMU 20 LOU 7
  2. 2 JMU 17 LOU 14
  3. 3 JMU 6 LOU 7
  4. 4 JMU 6 LOU 10
  5. 5 JMU 14 LOU 21
  6. 6 JMU 22 LOU 33
  7. 7 JMU 7 LOU 20
  8. 8 JMU 7 LOU 24
  9. 9 JMU 3 LOU 24
  10. 10 JMU 6 LOU 35

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

James Madison wins 23% of them, Louisville 77%, counting the 4% still level after regulation as half each. The line is what actually happened: Louisville by 14.

Show as a table
Final margin in the replaysShare of replays
James Madison by 17+3.1%
James Madison by 9–167.0%
James Madison by 1–812.1%
Level after regulation4.2%
Louisville by 1–822.0%
Louisville by 9–1621.0%
Louisville by 17+30.7%

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 +1.3 points to Louisville: the final margin was Louisville by 14, without the luck Louisville by 12.7. 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.

  • C. Ranvier, 22 yds made · 93% expected
  • C. Ranvier, 38 yds made · 76% expected
  • Extra point missed · 98% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: James Madison 12 for 97 yards, Louisville 5 for 49 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 8:17 Holding on Louisville, 9 yards +5% JMU +3.6 pts
Q1 3:31 Pass Interference on James Madison, 15 yards +6% LOU +3.3 pts
Q1 1:43 Personal Foul on James Madison, 15 yards +3% LOU +1.6 pts
Q1 1:14 Delay of Game on Louisville, 5 yards · pre-snap +1% JMU +0.4 pts
Q2 7:40 Delay of Game on James Madison, 5 yards · pre-snap +2% LOU +0.8 pts
Q2 7:02 Offside on James Madison, 2 yards · pre-snap +1% LOU +0.8 pts
Q2 2:00 False Start on James Madison, 5 yards · pre-snap +1% LOU +0.3 pts
Q2 1:16 False Start on Louisville, 5 yards · pre-snap +1% JMU +0.4 pts
Q3 12:53 Pass Interference on Louisville, 15 yards +7% JMU +2.5 pts
Q3 12:45 Illegal Formation on James Madison, 5 yards · pre-snap +1% LOU +0.6 pts
Q3 6:53 Delay of Game on James Madison, 5 yards · pre-snap +3% LOU +1.4 pts
Q3 6:00 Holding on James Madison, 5 yards +1% LOU +0.3 pts
Q4 15:00 Face Mask on James Madison, 8 yards +2% LOU +0.5 pts
Q4 13:30 Holding on James Madison, 7 yards +6% LOU +1.8 pts
Q4 13:05 Personal Foul on Louisville, 15 yards +2% JMU +0.5 pts
Q4 3:31 Face Mask on James Madison, 15 yards +1% JMU +0.6 pts
Q4 3:07 Holding on James Madison, 10 yards 0% LOU +1.5 pts

When it happened

Louisville’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 Louisville was ahead in it, below while James Madison was.
#WhenWhat happenedWin probability forNext drive
1 Q1 3:31 Pass Interference on James Madison, 15 yardsJudgment calls +6% LOU LOU: Turnover
2 Q1 0:46 Louisville fumbled and James Madison recoveredFumble bounces · loose balls are close to 50/50 +6% JMU LOU: Field goal
3 Q2 11:19 James Madison was stopped on 4th & 33rd & 4th downs · 50% expected +6% LOU JMU: Punt
4 Q2 8:24 Louisville converted 4th & 33rd & 4th downs · 52% expected +6% LOU LOU: Field goal
5 Q3 12:53 Pass Interference on Louisville, 15 yardsJudgment calls +7% JMU JMU: Touchdown
6 Q3 11:19 James Madison converted 3rd & 83rd & 4th downs · 29% expected +7% JMU JMU: Touchdown
7 Q4 13:30 Holding on James Madison, 7 yardsJudgment calls +6% LOU LOU: End of game
8 Q4 13:05 James Madison fumbled and Louisville recoveredFumble bounces · loose balls are close to 50/50Louisville missed an extra pointKicks · extra points are made about 98% of the timePersonal Foul on Louisville, 15 yardsJudgment callsReturn touchdown by LouisvilleSpecial teams +10% LOU JMU: Turnover on downs

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

James Madison 3% · Louisville 97%

Final margin
Louisville by 14
Luck in points
1.3 for Louisville
Luck-adjusted margin
Louisville by 12.7
Replay with same day's form
James Madison 23% · Louisville 77% 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 2 2025 games · James Madison · Louisville

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