luckadjusted
NFL Week 3 · 2026

NFL · Week 4 2026 · Sunday, October 4

Jaguars vs Bengals prediction and pick

Our Jacksonville Jaguars at Cincinnati Bengals pick: Jaguars by 2.3, 57% to win, against a betting line of Bengals −2.5. The forecast starts from what each team’s play has been worth once the luck is adjusted for, adds last season, who starts at quarterback and who is out hurt, and home field. No betting information goes in.

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 ±12.9, so about 88% 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.

Jaguars at Bengals

Sun, Oct 4, 1:00 pm ET · Paycor Stadium

Jaguars by 2.3 · 57% to win · line Bengals −2.5

Show as a table
OutcomeChance
Jaguars win57.0%
Bengals win43.0%
Middle 50%: Jaguars by 11 to Bengals by 750%
Middle 90%: Jaguars by 24 to Bengals by 1990%
Middle 95%: Jaguars by 28 to Bengals by 2395%
Exactly Jaguars by 38.6%
Exactly Bengals by 37.9%
Exactly Jaguars by 75.4%
Exactly Bengals by 74.5%
Exactly Jaguars by 103.8%
P50
Half of games like this end between Jaguars by 11 and Bengals by 7.
P90
9 in 10 between Jaguars by 24 and Bengals by 19.
P95
19 in 20 between Jaguars by 28 and Bengals by 23.

Out or doubtful: Jaguars: Patrick Mekari (OL); Bengals: Jalen Davis (CB), Andrei Iosivas (WR).

Where the forecast comes from
Last seasonJaguars+2.8
Home fieldBengals+2.3
This season, adjusted for luckJaguars+1.8
QuarterbacksBengals+0.4
InjuriesJaguars+0.4

The season so far

TeamRecordCoin-flip winsLuck in wins
Jaguars 2–1 2.4 −0.3
Bengals 2–1 1.8 +0.1

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.

Jaguars vs Bengals: questions and answers

Who will win Jaguars vs Bengals?

Our forecast picks the Jaguars, with 57% to win; the Bengals win 43% of the time.

What’s the spread for Jaguars vs Bengals?

Our spread: Jaguars −2.3. The betting line: Bengals −2.5. Ours uses no betting information, so where the two differ is where our read of the teams differs from the market’s.

When is Jaguars vs Bengals?

Sunday, October 4, 2026, at 1:00 pm ET, at Paycor Stadium.