luckadjusted
CFB Week 4 · 2026

College football · Week 11 2026 · Saturday, November 14

USC vs Indiana prediction and pick

Our USC Trojans at Indiana Hoosiers pick: Indiana by 15.1, 81% to win. The forecast rates every team against the opponents it has played, this season and last, and adds home field. No betting information goes in.

An early look, 7 weeks ahead: it sharpens as the game comes up. Updated every day until kickoff, then frozen and scored. After the game this page shows who deserved to win.

Why the curves are so wide: luck. Even with both teams’ strength known exactly, one game’s bounces, kicks, calls and sequencing move the final margin by about ±12.1 points (one standard deviation, measured from every play since 2019). These forecasts carry ±17.0, so about 50% of the width is that luck; the rest is what nobody knows yet about the teams. That is why a 7-point favorite still loses about 3 times in 10.

USC at Indiana

Sat, Nov 14, time to be announced · Memorial Stadium (Bloomington, IN)

Indiana by 15.1 · 81% to win

Show as a table
OutcomeChance
USC win18.6%
Indiana win81.4%
Middle 50%: Indiana by 3 to Indiana by 2750%
Middle 90%: USC by 13 to Indiana by 4290%
Middle 95%: USC by 18 to Indiana by 4995%
Exactly Indiana by 35.1%
Exactly Indiana by 74.7%
Exactly Indiana by 144.1%
Exactly Indiana by 174.0%
Exactly Indiana by 214.0%
P50
Half of games like this end between Indiana by 3 and Indiana by 27.
P90
9 in 10 between USC by 13 and Indiana by 42.
P95
19 in 20 between USC by 18 and Indiana by 49.
Where the forecast comes from
Last seasonIndiana+6.4
This season, against its opponentsIndiana+5.5
Home fieldIndiana+3.1

The season so far

TeamRecordCoin-flip winsLuck in wins
USC 4–1 4.0 +0.3
Indiana 4–0 4.0 +0.2

Coin-flip wins: the wins each team’s games were worth with only the kicks, bounces, drops and calls re-rolled, the record adjusted for luck. Luck in wins: actual wins minus what the play was worth.

USC vs Indiana: questions and answers

Who will win USC vs Indiana?

Our forecast picks Indiana, with 81% to win; USC win 19% of the time.

What’s the spread for USC vs Indiana?

Our spread: Indiana −15.1. The betting line isn’t out yet. Ours uses no betting information, so where the two differ is where our read of the teams differs from the market’s.

When is USC vs Indiana?

Saturday, November 14, 2026 (kickoff time to be announced), at Memorial Stadium (Bloomington, IN).