luckadjusted
NFL Week 9 · 2026

Week 1 2026 · September 13, 2026

Cardinals at Chargers, Week 1 2026: who deserved to win?

The Cardinals beat the Chargers 26–14, but the replays call it close to a coin flip: with the way both teams played, the Cardinals win 5 of 10.

Before kickoff the Chargers were 74% favorites. The biggest swing (Q4, 12:28 left): Blocked punt by the Cardinals, worth 15 points of win probability to the Cardinals.

Final

Arizona Cardinals 26
Los Angeles Chargers 14

September 13, 2026 · SoFi Stadium · Closing line: Chargers −8.5

Our prediction before kickoff: Chargers by 7.2

Luck index +49 Cardinals lucky · −49 Chargers

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. Cardinals win 5, Chargers win 5.

  1. 1 ARI 34 LAC 14
  2. 2 ARI 30 LAC 17
  3. 3 ARI 29 LAC 20
  4. 4 ARI 36 LAC 31
  5. 5 ARI 30 LAC 28
  6. 6 ARI 10 LAC 13
  7. 7 ARI 16 LAC 21
  8. 8 ARI 17 LAC 27
  9. 9 ARI 10 LAC 24
  10. 10 ARI 14 LAC 35

Our prediction before kickoff

We had the Chargers by 7.2, 71% to win. The Cardinals won by 12, a result we gave 29%. The final margin was 19.2 points from ours; 14% of games like this end further from the forecast than that.

Show as a table
OutcomeChance
Cardinals win28.5%
Chargers win71.5%
Middle 50%: Cardinals by 3 to Chargers by 1650%
Middle 90%: Cardinals by 14 to Chargers by 2890%
Middle 95%: Cardinals by 18 to Chargers by 3295%
Exactly Chargers by 38.2%
Exactly Cardinals by 36.3%
Exactly Chargers by 75.8%
Exactly Chargers by 145.0%
Exactly Chargers by 104.5%

Most of the distance between a forecast and a final score is luck: even with both teams’ strength known exactly, one game’s bounces, kicks and calls move the final margin by about ±12 points. This game was played before our forecasts went live, so this one was made afterwards, the same way, from only what was known before kickoff. How our predictions have done

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, drop, conversion and judgment call redrawn; everything else fixed. The narrowest view of luck.

How 4,000 replays ended

Cardinals win 51% of them, Chargers 49%, counting the 5% still level after regulation as half each. The line is what actually happened: Cardinals by 12.

Show as a table
Final margin in the replaysShare of replays
Cardinals by 17+11.3%
Cardinals by 9–1614.4%
Cardinals by 1–822.1%
Level after regulation5.2%
Chargers by 1–822.6%
Chargers by 9–1613.8%
Chargers by 17+10.6%

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 +1.8 points to the Chargers: the final margin was Cardinals by 12, without the luck Cardinals by 13.8. 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 the weather), and what happened.

  • C. Ryland, 54 yds missed · 65% expected
  • C. Ryland, 27 yds made · 96% expected
  • C. Ryland, 44 yds made · 83% expected
  • C. Ryland, 34 yds made · 93% expected
  • C. Ryland, 49 yds made · 70% expected
Bar: expected chance of a make. Filled dot: made. Open dot: missed or blocked.

Penalties: Cardinals 8 for 111 yards, Chargers 7 for 64 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 half toward luck; pre-snap fouls, which repeat, don’t count. How calls are valued

WhenFlagWin probability for
Q1 2:59 Offensive Holding on the Cardinals, 10 yards, wiping out the play +5% LAC +1.4 pts
Q2 12:43 False Start on the Cardinals (Hunter Long), 4 yards · pre-snap +2% LAC +0.6 pts
Q2 10:31 False Start on the Cardinals, 5 yards · pre-snap +2% LAC +0.7 pts
Q2 6:47 Illegal Block Above the Waist on the Chargers, 10 yards +4% ARI +1.6 pts
Q2 6:33 Defensive Pass Interference on the Cardinals (Denzel Burke), 24 yards +5% LAC +1.8 pts
Q2 0:37 Defensive Pass Interference on the Chargers (Donte Jackson), 24 yards +4% ARI +1.7 pts
Q2 0:09 Face Mask on the Cardinals, 15 yards +4% LAC +0.8 pts
Q3 13:03 False Start on the Chargers, 5 yards · pre-snap +3% ARI +0.8 pts
Q3 7:25 Defensive Pass Interference on the Cardinals (Max Melton), 48 yards +9% LAC +3.1 pts
Q3 7:25 Kickoff Out of Bounds on the Cardinals (Chad Ryland), 0 yards · pre-snap 0% LAC 0.0 pts
Q3 3:46 False Start on the Cardinals, 5 yards · pre-snap +4% LAC +0.6 pts
Q3 1:22 False Start on the Chargers (Charlie Kolar), 5 yards · pre-snap +2% ARI +0.6 pts
Q4 4:33 Offensive Holding on the Chargers, 10 yards +2% ARI +1.0 pts
Q4 4:33 False Start on the Chargers, 5 yards · pre-snap +1% ARI +0.8 pts
Q4 4:33 False Start on the Chargers (Quentin Johnston), 5 yards · pre-snap 0% ARI +0.3 pts

Cardinals penalties, every game · Chargers penalties, every game · All teams, 2026

When it happened

Chargers’ chance of winning

As low as 0% and as high as 69%. Numbers mark the biggest luck moments, listed below.

nflfastR’s in-game win probability. It ignores the betting line, so it starts near even. Shaded above the middle while the Chargers were ahead in it, below while the Cardinals were.
#WhenWhat happenedWin probability forNext drive
1 Q1 13:30 The Cardinals converted 3rd & 83rd & 4th downs · 34% expected +8% ARI ARI: Touchdown
2 Q2 14:55 C. Ryland missed a 54-yard field goalKicks · 65% expected for him, 21 of 35 from 45+ before +7% LAC ARI: Field goal
3 Q2 13:37 The Chargers fumbled and the Cardinals recoveredFumble bounces · loose balls are close to 50/50 +7% ARI LAC: Turnover on downs
4 Q2 8:59 The Cardinals converted 3rd & 83rd & 4th downs · 35% expected +7% ARI ARI: Field goal
5 Q2 2:00 The Chargers were stopped on 4th & 33rd & 4th downs · 46% expected +10% ARI LAC: Punt
6 Q3 7:25 Defensive Pass Interference on the Cardinals (Max Melton), 48 yardsJudgment calls · 4 flags in 1241 snaps before, position avg 1 per 211Kickoff Out of Bounds on the Cardinals (Chad Ryland), 0 yardsPre-snap flags · 3 flags in 392 snaps before, position avg 1 per 236 +9% LAC LAC: Touchdown
7 Q3 6:07 The Chargers converted 3rd & 63rd & 4th downs · 31% expected +9% LAC LAC: Touchdown
8 Q4 12:28 Blocked punt by the CardinalsSpecial teams +15% ARI ARI: Touchdown

Missing players

Key players (usually on the field for half the snaps or more) who missed this game or part of it, valued by position and quality. The same players are missing in every replay, so this counts as luck in points only.

  • Denzel Perryman (LAC LB), out (IR) · 0.2 pts
  • R.J. Mickens (LAC S), out · 0.1 pts
  • Garrett Williams (ARI CB), out · 0.5 pts
  • Isaiah Adams (ARI OL), out · 0.3 pts
  • Dadrion Taylor-Demerson (ARI S), out · 0.2 pts

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

Cardinals 99% · Chargers 1%

Final margin
Cardinals by 12
Luck in points
1.8 for the Chargers
Luck-adjusted margin
Cardinals by 13.8
Replay with same day's form
Cardinals 51% · Chargers 49% 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 win probability from nflfastR via nflverse; kicks valued against each kicker’s own record; drops and interception-worthy throws from FTN charting; injuries from snap counts and injury reports.

Methodology and validation · All Week 1 2026 games · Cardinals · Chargers

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