luckadjusted
CFB Week 4 · 2026

Week 1 2026 · September 5, 2026

Florida International at South Florida, Week 1 2026: who deserved to win?

South Florida beat Florida International 19–9, but the replays call it close to a coin flip: with the way both teams played, South Florida wins 4 of 10. Luck ran its way: pre-snap flags alone were worth 22 points of win probability to South Florida.

South Florida won on an off day: its offense played far below its usual level. In a fresh game against Florida International it would win 75% of the time; with this day’s form, 44%. The numbers

Before kickoff South Florida was an 83% favorite. The biggest swing (Q3, 0:00 left): Illegal Substitution on Florida International, 5 yards, worth 13 points of win probability to South Florida.

Final

Florida International Panthers 9
South Florida Bulls 19

September 5, 2026 · Raymond James Stadium · Closing line: South Florida −14.5

Luck index +56 South Florida lucky · −56 Florida International

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 6, South Florida wins 4.

  1. 1 FIU 33 USF 7
  2. 2 FIU 20 USF 3
  3. 3 FIU 13 USF 0
  4. 4 FIU 17 USF 7
  5. 5 FIU 20 USF 14
  6. 6 FIU 3 USF 0
  7. 7 FIU 0 USF 3
  8. 8 FIU 7 USF 13
  9. 9 FIU 0 USF 10
  10. 10 FIU 6 USF 24

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.

South Florida won on an off day

Its offense played far below its usual level. In a fresh game against Florida International it would win 75% of the time; with this day’s form, 44%.

31 points apart for South Florida: the gap is how differently this game went from what the two teams usually are.

UnitThis gameUsual levelBetter or worse than usual
Florida International offenseEPA per play gained −0.25 +0.07 worse by 0.32
Florida International defenseEPA per play allowed −0.30 +0.09 better by 0.39
South Florida offenseEPA per play gained −0.30 +0.10 worse by 0.41
South Florida defenseEPA per play allowed −0.25 +0.07 better by 0.32

EPA (expected points added) per play on competitive snaps, turnovers left out because they are valued as luck. Usual level: the team’s earlier games this season plus half of last season, pulled toward the league average. One team’s defense and the other team’s offense are the same snaps, so one game can’t fully say whose day it was; it shows how far this one was from both teams’ norms.

How 4,000 replays ended

Florida International wins 56% of them, South Florida 44%, counting the 8% still level after regulation as half each. The line is what actually happened: South Florida by 10.

Show as a table
Final margin in the replaysShare of replays
Florida International by 17+15.4%
Florida International by 9–1619.3%
Florida International by 1–821.2%
Level after regulation7.9%
South Florida by 1–817.8%
South Florida by 9–1612.1%
South Florida by 17+6.3%

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 +24.0 points to South Florida: the final margin was South Florida by 10, without the luck Florida International by 14. 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. Gramatica, 37 yds made · 79% expected
  • N. Gramatica, 53 yds made · 50% expected
  • R. Czeremcha, 29 yds made · 88% expected
  • N. Gramatica, 30 yds made · 89% expected
  • N. Gramatica, 29 yds made · 90% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: Florida International 8 for 50 yards, South Florida 4 for 30 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 10:28 Pass Interference on South Florida, 15 yards +5% FIU +3.5 pts
Q1 10:28 False Start on Florida International, 5 yards · pre-snap +2% USF +2.2 pts
Q2 2:00 Holding on Florida International, 10 yards, wiping out the play +2% USF +2.4 pts
Q2 1:54 Holding on Florida International, 10 yards, wiping out the play +3% USF +1.9 pts
Q3 15:00 False Start on Florida International, 5 yards · pre-snap +1% USF +0.7 pts
Q3 15:00 Illegal Substitution on Florida International, 5 yards · pre-snap +1% USF +0.6 pts
Q3 9:04 False Start on South Florida, 5 yards · pre-snap +5% USF +0.5 pts
Q3 3:32 False Start on South Florida, 5 yards · pre-snap +1% FIU +0.8 pts
Q3 3:32 False Start on South Florida, 5 yards · pre-snap +1% FIU +0.7 pts
Q3 0:00 Illegal Substitution on Florida International, 5 yards · pre-snap +13% USF +7.4 pts
Q4 13:07 False Start on Florida International, 5 yards · pre-snap +1% USF +1.0 pts
Q4 1:40 Illegal Substitution on Florida International, 5 yards · pre-snap 0% USF +4.1 pts

When it happened

South Florida’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 South Florida was ahead in it, below while Florida International was.
#WhenWhat happenedWin probability forNext drive
1 Q1 10:28 Florida International was stopped on 3rd & 143rd & 4th downs · 22% expectedPass Interference on South Florida, 15 yardsJudgment callsFalse Start on Florida International, 5 yardsPre-snap flags +3% FIU FIU: Turnover on downs
2 Q1 5:27 Florida International was stopped on 4th & 53rd & 4th downs · 42% expectedSouth Florida converted 3rd & 63rd & 4th downs · 36% expectedSouth Florida was stopped on 3rd & 123rd & 4th downs · 23% expected +3% USF FIU: Turnover on downs
3 Q2 1:54 Florida International converted 3rd & 143rd & 4th downs · 21% expectedFlorida International converted 3rd & 13rd & 4th downs · 77% expectedHolding on Florida International, 10 yards, wiping out the playJudgment calls +3% USF FIU: End of half
4 Q3 9:04 South Florida was stopped on 3rd & 143rd & 4th downs · 20% expectedR. Czeremcha made a 29-yard field goalKicks · 88% expected for himFalse Start on South Florida, 5 yardsPre-snap flags +4% USF USF: Turnover on downs
5 Q3 5:35 South Florida was stopped on 3rd & 53rd & 4th downs · 40% expected +3% FIU USF: Punt
6 Q3 0:00 Illegal Substitution on Florida International, 5 yardsPre-snap flags +13% USF USF: Touchdown
7 Q4 15:00 South Florida converted 3rd & 53rd & 4th downs · 32% expected +3% USF USF: Touchdown
8 Q4 11:11 South Florida converted 3rd & 73rd & 4th downs · 33% expectedSouth Florida was stopped on 3rd & 123rd & 4th downs · 23% expectedFlorida International fumbled and South Florida recoveredFumble bounces · loose balls are close to 50/50 +3% USF USF: Field goal

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 89% · South Florida 11%

Final margin
South Florida by 10
Luck in points
24.0 for South Florida
Luck-adjusted margin
Florida International by 14.0
Replay with same day's form
Florida International 56% · South Florida 44% 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 1 2026 games · Florida International · South Florida

More from Week 1 2026

Every week 1 game, 2026