College Football Betting · 2025

College Football Bowls & Playoff Betting Lines

16 games priced · 16 graded · December 27, 2025 · Updated Jul 28, 11:26 PM ET

The week in the market

Home ATS
11–5
wins–losses–pushes
Favorites ATS
9–7
5 straight-up upsets
Over / under
6–10
Average total
50.3
avg spread 6.2

Our model against the market

Model error
10.65
mean absolute error, points
Market error
10.50
same games
Model ATS
9–7
16 games scored

The market is normally the more accurate of the two, and the two figures are averaged over exactly the same games so the comparison means something. A single week is about fifty games — any record here carries a standard error near seven percentage points and is description, not evidence of an edge.

Every game

California at Hawai'i

Final

California 31 · Hawai'i 35

Spread
Hawai'i −1.5
Hawai'i -1.5
3 books
Total
50.5
3 books
Moneyline
2 books
Our model
-0.3
-1.2 vs market · leans California
Result

Hawai'i covered · by 2.5 · 66 points — over

New Mexico at Minnesota

Final

New Mexico 17 · Minnesota 20

Neutral site
Spread
Minnesota −1.5
Minnesota -1.5
3 books
Total
44.5
3 books
Moneyline
2 books
Our model
-2.6
+1.1 vs market · leans Minnesota
Total moved -3.0 (47.5 44.5, 2 books)
Result

Minnesota covered · by 1.5 · 37 points — under

LSU at Houston

Final

LSU 35 · Houston 38

Neutral site
Spread
Houston −1.5
Houston -1.5
3 books
Total
43.5
3 books
Moneyline
2 books
Our model
+4.5
-6.0 vs market · leans LSU
Result

Houston covered · by 1.5 · 73 points — over

Penn State at Clemson

Final

Penn State 22 · Clemson 10

Neutral siteUpset
Spread
Clemson −2.5
Clemson -2.5
3 books
Total
47.5
3 books
Moneyline
2 books
Our model
+6.0
-8.5 vs market · leans Penn State
Result

Penn State covered · by 14.5 · 32 points — under

Western Kentucky at Southern Miss

Final

Western Kentucky 27 · Southern Miss 16

Neutral siteUpsetOn the 3
Spread
Southern Miss −3.0
Southern Miss -3.0
3 books
Total
59.5
3 books
Moneyline
2 books
Our model
+4.2
-7.2 vs market · leans Western Kentucky
Result

Western Kentucky covered · by 14.0 · 43 points — under

Georgia Tech at BYU

Final

Georgia Tech 21 · BYU 25

Neutral site
Spread
BYU −3.5
BYU -3.5
3 books
Total
55.0
3 books
Moneyline
+142 / −160
BYU 60% to win
2 books
Our model
-8.2
+4.7 vs market · leans BYU
Total moved -1.5 (56.0 54.5, 2 books)
Result

BYU covered · by 0.5 · 46 points — under

Virginia at Missouri

Final

Virginia 13 · Missouri 7

Neutral siteUpset
Spread
Missouri −4.0
Missouri -4.0
3 books
Total
43.5
3 books
Moneyline
2 books
Our model
-3.4
-0.7 vs market · leans Virginia
Result

Virginia covered · by 10.0 · 20 points — under

Miami (OH) at Fresno State

Final

Miami (OH) 3 · Fresno State 18

Neutral site
Spread
Fresno State −5.5
Fresno State -5.5
3 books
Total
40.5
3 books
Moneyline
2 books
Our model
+1.3
-6.8 vs market · leans Miami (OH)
Total moved -1.5 (42.0 40.5, 2 books)
Result

Fresno State covered · by 9.5 · 21 points — under

UNLV at Ohio

Final

UNLV 10 · Ohio 17

Neutral siteUpset
Spread
UNLV −6.5
Ohio +6.5
3 books
Total
64.5
3 books
Moneyline
2 books
Our model
+2.8
+3.7 vs market · leans Ohio
Spread moved +2.0 (4.0 6.0, 2 books)
Result

Ohio covered · by 13.5 · 27 points — under

Florida International at UTSA

Final

Florida International 20 · UTSA 57

Neutral siteOn the 7
Spread
UTSA −7.0
UTSA -7.0
3 books
Total
62.5
3 books
Moneyline
+260 / −265
UTSA 72% to win
2 books
Our model
-8.3
+1.3 vs market · leans UTSA
Result

UTSA covered · by 30.0 · 77 points — over

UConn at Army

Final

UConn 16 · Army 41

Neutral site
Spread
Army −7.5
Army -7.5
3 books
Total
41.5
3 books
Moneyline
2 books
Our model
+0.5
-8.0 vs market · leans UConn
Result

Army covered · by 17.5 · 57 points — over

North Texas at San Diego State

Final

North Texas 49 · San Diego State 47

Neutral site
Spread
North Texas −7.5
San Diego State +7.5
3 books
Total
54.5
3 books
Moneyline
2 books
Our model
+8.2
-0.7 vs market · leans North Texas
Result

San Diego State covered · by 5.5 · 96 points — over

Georgia Southern at App State

Final

Georgia Southern 29 · App State 10

Neutral siteOn the 10
Spread
Georgia Southern −10.0
App State +10.0
3 books
Total
58.0
3 books
Moneyline
2 books
Our model
+1.1
+8.9 vs market · leans App State
Result

Georgia Southern covered · by 9.0 · 39 points — under

Toledo at Louisville

Final

Toledo 22 · Louisville 27

Neutral site
Spread
Louisville −11.5
Louisville -11.5
3 books
Total
44.5
3 books
Moneyline
2 books
Our model
-5.6
-5.9 vs market · leans Toledo
Spread moved -3.0 (-9.5 -12.5, 2 books)
Total moved -1.0 (45.5 44.5, 2 books)
Result

Toledo covered · by 6.5 · 49 points — over

Pittsburgh at East Carolina

Final

Pittsburgh 17 · East Carolina 23

Neutral siteUpset
Spread
Pittsburgh −12.5
East Carolina +12.5
3 books
Total
51.5
3 books
Moneyline
2 books
Our model
+5.5
+7.0 vs market · leans East Carolina
Total moved -7.0 (58.5 51.5, 2 books)
Result

East Carolina covered · by 18.5 · 40 points — under

Central Michigan at Northwestern

Final

Central Michigan 7 · Northwestern 34

Neutral site
Spread
Northwestern −13.5
Northwestern -13.5
3 books
Total
43.5
3 books
Moneyline
+380 / −480
Northwestern 80% to win
2 books
Our model
-11.0
-2.5 vs market · leans Central Michigan
Result

Northwestern covered · by 13.5 · 41 points — under

Biggest upsets

  • East Carolina beat Pittsburgh
  • Ohio beat UNLV
  • Virginia beat Missouri
  • Western Kentucky beat Southern Miss
  • Penn State beat Clemson

Where we disagreed most

  • Georgia Southern at App State+8.9 pts toward App State
  • Penn State at Clemson-8.5 pts toward Penn State
  • UConn at Army-8.0 pts toward UConn
  • Western Kentucky at Southern Miss-7.2 pts toward Western Kentucky
  • Pittsburgh at East Carolina+7.0 pts toward East Carolina

Coverage

16 games in this week's window · 16 with a spread · 16 with a total · 3 with a moneyline · 0 with no line at all.

Methodology

This board describes what the market posted and what happened. It is not betting advice and no line here is actionable — the prices are historical closing numbers, not quotes.

  • The consensus line is the MEDIAN across every book that posted that market, not a single book's number and not an average — a median is unmoved by one outlier book. It is a DISCRETE median, so the number shown is always one a book actually posted; an interpolating median would print prices like -2.75 that nobody offered and that make an exact push impossible. The number of books behind each market is published with it; some games rest on one book.
  • Spreads are shown from the home team's perspective in book convention: NEGATIVE means the home team is favored. Each game also carries an explicit favorite so nothing depends on the sign.
  • Moneylines are aggregated as implied probabilities and converted back to a price. Medianing American odds directly is not monotone across the -100/+100 boundary. The two sides' implied probabilities sum to more than 1; that excess is the book's hold, which is published and removed to get the win probabilities shown.
  • Line movement is measured only over the books that posted BOTH an opening and a closing number, with the open and close both medianed over that same set — so the opening plus the movement always equals the closing number shown in that block. That block's close can differ slightly from the headline consensus, which is medianed over every book including the majority that never posted an opening. Openings are sparse, so movement is published only when at least 2 books reported one, which in practice means 2024 onward.
  • Against-the-spread grading uses the consensus closing line. A game landing exactly on the number is a push and is counted separately, never as a win or a loss.
  • The model line is this site's own SRS rating, fit on games through the END OF THE PRIOR WEEK — it never sees the result it is being compared against. Only FBS-vs-FBS games get a model column: an FCS opponent, or a team under the four-game minimum, gets none rather than a guessed one. The two error figures are averaged over exactly the same games, which is what makes them comparable.
  • A single week is roughly fifty games. Any weekly record here — the market's, the model's, home teams', favorites' — carries a standard error near seven percentage points and should be read as description, not as evidence that anything predicts anything.
  • Line coverage is uneven: nearly all FBS-involving games in recent seasons carry a line, older seasons fewer, and games below the FCS level none at all. The coverage block reports what was available.

FACT (posted lines, final scores), DERIVED (consensus, grading, model line, records)

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