luckadjusted
CFB Week 4 · 2026

Week 8 2025 · October 14, 2025

Florida International at Western Kentucky, Week 8 2025: who deserved to win?

Florida International beat Western Kentucky 25–6, but the replays lean toward Western Kentucky: it takes 7 of 10 with the same day's form.

Before kickoff Western Kentucky was a 74% favorite. The biggest swing (Q2, 9:45 left): Pass Interference on Western Kentucky, 15 yards, worth 8 points of win probability to Florida International.

Final

Florida International Panthers 25
Western Kentucky Hilltoppers 6

October 14, 2025 · Houchens Industries-L.T. Smith Stadium · Closing line: Western Kentucky −10

Luck index +67 Florida International very lucky · −67 Western Kentucky

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. Florida International wins 3, Western Kentucky wins 7.

  1. 1 FIU 34 WKU 14
  2. 2 FIU 24 WKU 14
  3. 3 FIU 20 WKU 17
  4. 4 FIU 17 WKU 20
  5. 5 FIU 17 WKU 21
  6. 6 FIU 17 WKU 24
  7. 7 FIU 17 WKU 30
  8. 8 FIU 10 WKU 26
  9. 9 FIU 17 WKU 38
  10. 10 FIU 3 WKU 34

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

Florida International wins 33% of them, Western Kentucky 67%, counting the 5% still level after regulation as half each. The line is what actually happened: Florida International by 19.

Show as a table
Final margin in the replaysShare of replays
Florida International by 17+5.7%
Florida International by 9–169.0%
Florida International by 1–815.8%
Level after regulation4.8%
Western Kentucky by 1–823.8%
Western Kentucky by 9–1617.3%
Western Kentucky by 17+23.6%

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 +2.0 points to Western Kentucky: the final margin was Florida International by 19, without the luck Florida International by 21. 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.

  • N. Grant, 37 yds made · 77% expected
  • N. Grant, 28 yds made · 88% expected
  • J. Cannon, 28 yds made · 91% expected
  • N. Grant, 37 yds made · 77% expected
  • N. Grant, 51 yds made · 52% expected
  • J. Cassidy, 55 yds made · 45% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: Florida International 9 for 75 yards, Western Kentucky 4 for 45 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 1:44 Illegal Substitution on Western Kentucky, 5 yards · pre-snap +1% FIU +0.2 pts
Q1 0:48 Ineligible Downfield on Florida International, 5 yards +1% WKU +0.6 pts
Q2 9:45 Pass Interference on Western Kentucky, 15 yards +8% FIU +3.3 pts
Q2 7:41 Holding on Western Kentucky, 10 yards, wiping out the play +4% FIU +1.7 pts
Q2 6:05 Face Mask on Western Kentucky, 15 yards +2% FIU +0.8 pts
Q2 4:27 Holding on Florida International, 10 yards, wiping out the play +3% WKU +1.4 pts
Q2 4:07 Holding on Florida International, 10 yards, wiping out the play +4% WKU +1.9 pts
Q2 0:50 Holding on Florida International, 10 yards +1% WKU +0.5 pts
Q3 8:58 Offside on Florida International, 5 yards · pre-snap +2% WKU +0.8 pts
Q3 4:55 False Start on Florida International, 5 yards · pre-snap +1% WKU +0.6 pts
Q4 9:23 Personal Foul on Florida International, 15 yards 0% WKU +1.8 pts
Q4 6:04 Holding on Florida International, 10 yards 0% WKU +0.6 pts
Q4 4:03 False Start on Florida International, 5 yards · pre-snap 0% WKU +0.6 pts

When it happened

Western Kentucky’s chance of winning

As low as 0% and as high as 77%. 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 Western Kentucky was ahead in it, below while Florida International was.
#WhenWhat happenedWin probability forNext drive
1 Q1 1:51 Florida International converted 3rd & 93rd & 4th downs · 28% expected +6% FIU FIU: Field goal
2 Q2 10:48 Florida International converted 3rd & 53rd & 4th downs · 41% expected +4% FIU FIU: Touchdown
3 Q2 9:45 Florida International was stopped on 4th & 53rd & 4th downs · 41% expectedPass Interference on Western Kentucky, 15 yardsJudgment calls +8% FIU FIU: Touchdown
4 Q2 7:41 Holding on Western Kentucky, 10 yards, wiping out the playJudgment calls +4% FIU FIU: Field goal
5 Q2 4:07 Holding on Florida International, 10 yards, wiping out the playJudgment calls +4% WKU WKU: Punt
6 Q2 2:57 N. Grant made a 51-yard field goalKicks · 52% expected for him, 0 of 0 from 45+ before +5% FIU FIU: Punt
7 Q3 13:05 Western Kentucky was stopped on 3rd & 33rd & 4th downs · 55% expected +4% FIU WKU: Punt
8 Q3 6:01 Florida International converted 3rd & 43rd & 4th downs · 47% expected +4% FIU FIU: 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

Florida International 100% · Western Kentucky 0%

Final margin
Florida International by 19
Luck in points
2.0 for Western Kentucky
Luck-adjusted margin
Florida International by 21.0
Replay with same day's form
Florida International 33% · Western Kentucky 67% 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 8 2025 games · Florida International · Western Kentucky

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