luckadjusted
CFB Week 4 · 2026

Week 2 2026 · September 12, 2026

Navy at Florida Atlantic, Week 2 2026: who deserved to win?

Florida Atlantic beat Navy 38–30, and the replays back it up: with the way both teams actually played, Florida Atlantic wins 9 of 10.

An off day for Navy: its defense played far below its usual level. In a fresh game against Florida Atlantic it would win 53% of the time; with this day’s form, 15%. The numbers

Before kickoff Navy was a 61% favorite.

Final

Navy Midshipmen 30
Florida Atlantic Owls 38

September 12, 2026 · FAU Stadium · Closing line: Navy −4.5

Luck index +15 Florida Atlantic about even · −15 Navy

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. Navy wins 1, Florida Atlantic wins 9.

  1. 1 NAVY 28 FAU 21
  2. 2 NAVY 14 FAU 17
  3. 3 NAVY 3 FAU 10
  4. 4 NAVY 21 FAU 31
  5. 5 NAVY 27 FAU 41
  6. 6 NAVY 13 FAU 30
  7. 7 NAVY 6 FAU 27
  8. 8 NAVY 17 FAU 42
  9. 9 NAVY 14 FAU 45
  10. 10 NAVY 7 FAU 48

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.

An off day for Navy

Its defense played far below its usual level. In a fresh game against Florida Atlantic it would win 53% of the time; with this day’s form, 15%.

38 points apart for Navy: the gap is how differently this game went from what the two teams usually are.

UnitThis gameUsual levelBetter or worse than usual
Navy offenseEPA per play gained +0.10 +0.18 worse by 0.09
Navy defenseEPA per play allowed +0.34 +0.08 worse by 0.27
Florida Atlantic offenseEPA per play gained +0.34 +0.09 better by 0.26
Florida Atlantic defenseEPA per play allowed +0.10 +0.11 better by 0.02

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

Navy wins 15% of them, Florida Atlantic 85%, counting the 1% still level after regulation as half each. The line is what actually happened: Florida Atlantic by 8.

Show as a table
Final margin in the replaysShare of replays
Navy by 17+2.0%
Navy by 9–164.3%
Navy by 1–88.3%
Level after regulation0.8%
Florida Atlantic by 1–816.9%
Florida Atlantic by 9–1617.9%
Florida Atlantic by 17+49.7%

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 +8.1 points to Florida Atlantic: the final margin was Florida Atlantic by 8, without the luck Navy by 0.1. 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. Bartley, 46 yds missed · 61% expected
  • C. Rogers, 54 yds missed · 47% expected
  • C. Rogers, 60 yds made · 38% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: Navy 7 for 65 yards, Florida Atlantic 10 for 77 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 8:56 False Start on Navy, 5 yards · pre-snap 0% NAVY 0.0 pts
Q1 5:42 False Start on Florida Atlantic, 5 yards · pre-snap +1% NAVY +0.5 pts
Q1 5:17 Holding on Florida Atlantic, 10 yards +1% NAVY +0.5 pts
Q1 2:44 Face Mask on Navy, 15 yards +2% FAU +0.7 pts
Q2 9:29 Ineligible Downfield on Florida Atlantic, 5 yards, wiping out the play +4% NAVY +1.5 pts
Q2 8:34 Pass Interference on Navy, 15 yards +2% FAU +0.9 pts
Q2 6:02 False Start on Florida Atlantic, 5 yards · pre-snap +2% NAVY +0.7 pts
Q2 0:48 Offside on Navy, 5 yards · pre-snap +1% FAU +0.3 pts
Q3 12:15 False Start on Navy, 5 yards · pre-snap +1% NAVY +1.5 pts
Q3 7:06 Holding on Florida Atlantic, 10 yards 0% NAVY +0.7 pts
Q3 1:09 Holding on Florida Atlantic, 8 yards 0% NAVY +0.5 pts
Q3 1:05 Holding on Florida Atlantic, 2 yards, wiping out the play 0% NAVY +1.0 pts
Q3 0:48 Holding on Florida Atlantic, 2 yards 0% NAVY +1.5 pts
Q4 12:43 Pass Interference on Navy, 15 yards 0% FAU +1.8 pts
Q4 6:58 Roughing the Passer on Florida Atlantic, 15 yards 0% NAVY +0.4 pts
Q4 6:14 Pass Interference on Florida Atlantic, 15 yards 0% NAVY +1.9 pts
Q4 1:46 Illegal Formation on Navy, 5 yards · pre-snap 0% FAU +0.3 pts

When it happened

Florida Atlantic’s chance of winning

As low as 31% and as high as 100%. 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 Florida Atlantic was ahead in it, below while Navy was.
#WhenWhat happenedWin probability forNext drive
1 Q1 11:37 Florida Atlantic was stopped on 3rd & 93rd & 4th downs · 35% expected +3% NAVY FAU: Punt
2 Q1 8:23 Navy was stopped on 3rd & 113rd & 4th downs · 33% expected +2% FAU NAVY: Missed field goal
3 Q1 7:44 N. Bartley missed a 46-yard field goalKicks · 61% expected for him, 0 of 0 from 45+ before +5% FAU NAVY: Turnover
4 Q1 6:41 Navy fumbled and Florida Atlantic recoveredFumble bounces · loose balls are close to 50/50 +3% FAU NAVY: Punt
5 Q1 3:37 C. Rogers missed a 54-yard field goalKicks · 47% expected for him, 0 of 0 from 45+ before +3% NAVY FAU: Turnover on downs
6 Q2 13:20 Florida Atlantic was stopped on 4th & 33rd & 4th downs · 51% expected +6% NAVY FAU: Touchdown
7 Q2 10:37 Navy was stopped on 3rd & 123rd & 4th downs · 31% expected +3% FAU NAVY: Punt
8 Q2 9:29 Ineligible Downfield on Florida Atlantic, 5 yards, wiping out the playJudgment calls +4% NAVY NAVY: Punt

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

Navy 51% · Florida Atlantic 49%

Final margin
Florida Atlantic by 8
Luck in points
8.1 for Florida Atlantic
Luck-adjusted margin
Navy by 0.1
Replay with same day's form
Navy 15% · Florida Atlantic 85% 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 2026 games · Navy · Florida Atlantic

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