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CFB · Week 4 · Sat, Sep 26 · 12:00 PM ET · McLane Stadium · FINAL Colorado 13, Baylor 23

Colorado at Baylor. Lean: Baylor -9.5. Lean: Under 55.5.

The call

Lean W Spread
Baylor -9.5
-118 · FanDuel
Ace is against this callStack backs this callBuck backs this call 2 of 3
locked Wed 7:03pm ET
locked -9.5 · closed -8.5
Colorado 13, Baylor 23
Lean W Total
Under 55.5
Ace is against this callStack backs this callBuck backs this call 2 of 3
locked 55.5 · closed 54.5

The panelists

Ace is against this call
The fox
SpreadColorado +9.5
TotalOver 55.5
Play toColorado +10.5
Play toOver 54.5
Keys to the game
  • Aranda expects four starters, including DJ Lagway, to return; this is an expectation rather than a final game designation.
  • Colorado’s loss included four turnovers and three failed fourth-down conversions despite 348 yards.
  • Opened page showed Baylor -10 at -112, Colorado +10 at -108, and Baylor receiving 71% of spread tickets and handle; snapshots were inconsistent.
What beats it

On the spread. A mobile Lagway and returning offensive support could expose Colorado’s defense, while its turnovers may reflect persistent execution problems. If Scudero remains unavailable and Baylor’s returnees are effective, Colorado could lose comfortably beyond ten.

On the total. Restricted Lagway movement, missing receivers and sustained rushing possessions could keep scoring below the market. Colorado’s stalled drives may persist. Fewer Colorado turnovers could also remove Baylor short fields, offsetting improved Colorado scoring.

Read Ace's full case

Spread.The strongest explanation for Baylor -10 is home field, Colorado’s road collapse, and anticipated improvement in Baylor’s personnel. Monday’s team report expects Lagway, Porter, Turner and Moore back; that provides a credible explanation for the captured move toward Baylor. Against that, Colorado’s 34-point defeat included four turnovers and three failed fourth downs despite 348 offensive yards. That supports a modest rebound argument rather than treating the final margin as its underlying ability. Our model’s Baylor -15 is five points beyond the market, but its margin-only construction and calibration can amplify precisely this kind of result. I lean Colorado, yet +10 does not sufficiently compensate for Baylor potentially regaining its starting quarterback and other starters. DraftKings’ opened page showed Baylor attracting 71% of spread tickets and handle, but changing snapshots and undisclosed sample size prevent a sharp-money inference. This is LOW conviction, 2/5 ordinal, not a probability: pass at the captured prices; require Colorado +10.5 at -110 or better.

Total.The strongest explanation for 55.5 is anticipated Baylor offensive improvement and a Colorado offense whose seven points last week understated its yardage. Baylor’s expected returns and Colorado’s new Marion system support the over case; the model’s 52.74 relies heavily on historical personnel and schemes. The under case remains substantial: Colorado has scored only 21 points across two FBS games, run emphasis can consume possessions, and Lagway’s mobility is unconfirmed. Favorable weather alone supplies no edge. The captured total has already risen from 53.5 at DraftKings and 52.5 at FanDuel, absorbing much of the optimistic case. I lean over but pass at 55.5; my maximum is 54.5 at -110. Confidence is LOW, an ordinal 2/5.

Where our number looks wrong.Baylor -15 likely overstates the separation by treating Colorado’s turnover-driven 41-7 loss too literally and stretching the raw 13-point margin through calibration. Baylor’s early defensive results also include an FCS opponent. Conversely, expected Baylor returns are absent from the rating. These competing omissions do not support a precise five-point edge.

More key facts
  • Football availability reports begin three days before kickoff and publish at 9 p.m. CT.
  • Colorado enters with first-year offensive coordinator Brennan Marion, limiting the relevance of prior-season offensive averages.
  • Colorado’s official schedule records 14 points against Georgia Tech and seven against Northwestern.
  • DraftKings’ opened page displayed total 55.5, both sides -110, and 100% over tickets and handle without a disclosed sample size.
Stack backs this call
The bull
SpreadBaylor -9.5
TotalUnder 55.5
Play toBaylor -10
Play toUnder 55
Keys to the game
  • Lagway cleared to play; ankle was 60-70% the prior week
  • Colorado offense last in Big 12; four turnovers vs Northwestern
  • Sanders dismissed several players for conduct detrimental to the team
What beats it

On the spread. A slow, penalty-heavy Baylor team with a hobbled quarterback wins 27-20 and fails to cover, as Heartland's analyst predicts; Colorado's dismissals may tighten the locker room.

On the total. Colorado's defense is just as broken as its offense (41 allowed to Northwestern); turnovers produce short fields and defensive scores, and Baylor at home with a healthy Lagway could reach 45 alone. If the Big 12 report shows Lagway limited, Baylor's backup scored 36 on Louisiana Tech, so the under does not simply gain.

Read Stack's full case

Spread.The market has already moved: FanDuel opened -6.5 and DraftKings -8.5, and everything is -10 now, because Dave Aranda gave QB DJ Lagway the green light after two missed games with a high-ankle sprain, with WR Jadon Porter and others also expected back. Colorado is the worst offense in the Big 12 by the numbers, three touchdowns in two Power 4 games, four turnovers in a 41-7 loss at Northwestern, the most penalty yards in the league, and Deion Sanders dismissed several players this week for conduct detrimental to the team. That all points to Baylor. Against it: Baylor is 2-8 ATS in its last 10, Lagway's ankle was described as 60-70% a week earlier, Baylor's own offense scored 16 against Auburn, and ten points is a lot for a team whose run game is underdeveloped. I side with Baylor at -10 but the Lagway news is fully priced and I would not lay a normal unit.

Total.The total opened 52.5 to 55 and is 55.5 everywhere, rising with the Lagway news; our model is 52.7. The under case is specific: Colorado has scored 14 and 7 against its two FBS opponents, has three touchdowns in two Power 4 games, turns the ball over, and just lost several players; Baylor's offense scored 16 against Auburn and has an underdeveloped run game, with a quarterback coming off a high-ankle sprain. Kickoff is noon in Waco at about 85F, which tends to slow play late. For the over, Colorado's defense gave up 41 to Northwestern and Colorado turnovers hand Baylor short fields; a 42-14 blowout reaches 56. Baylor needs roughly 40 with Colorado held to the teens to beat this number, and Colorado's offense has not shown it can supply its share.

Where our number looks wrong.The model's -15 is built on final margins with a backup quarterback and a win over an FCS team; it does not know Lagway's ankle may limit his running, and it has no read on Colorado's roster turmoil, which could cut either way (addition by subtraction or collapse).

More key facts
  • Colorado's offense last in Big 12 with three touchdowns in 120 minutes vs Power 4 opponents
  • Lagway returning from high-ankle sprain, 60-70% a week earlier
  • Several Colorado players dismissed after the Northwestern loss
Buck backs this call
The bear
SpreadBaylor -10
TotalUnder 55.5
Play toBaylor -10.5
Play toUnder 55.5
Keys to the game
  • Baylor HC Dave Aranda said DJ Lagway has 'the green light' to play against Colorado
  • Colorado lost to Northwestern 7-41 in its most recent game before facing Baylor
  • Nate Bennett started for Baylor in place of an injured Lagway and threw for 3 TDs and 253 yards
What beats it

On the spread. Colorado still has the best transfer-portal net (+8) and a competitive road win at Georgia Tech, so the Northwestern game could be an outlier; Lagway could also be rusty or limited in snap count coming off a high-ankle sprain, which historically saps top-end speed and cutting ability.

On the total. A returning Lagway could open up Baylor's offense significantly beyond its recent conservative output with Bennett at QB, pushing the total higher regardless of Colorado's struggles.

Read Buck's full case

Spread.Baylor is at home getting its starting QB DJ Lagway back after a high-ankle sprain - head coach Dave Aranda said this week Lagway has the 'green light' to play - while backup Nate Bennett had already thrown for 3 TDs and 253 yards in relief. Colorado, meanwhile, was just blown out 7-41 on the road at Northwestern, a big red flag heading into a true road Big 12 opener. The line moved a full point toward Baylor since open (from about -9 to -10), suggesting the market has been absorbing the Lagway news, but I still like the combination of a healthier Baylor offense at home against a Colorado team that scored 7 points last week. Lagway's mobility coming off a high-ankle sprain is the main risk, which caps this at standard rather than strong.

Total.Baylor's defense has allowed just 13 ppg this season, and Colorado's offense just managed 7 points on the road at Northwestern. If that road-offense pattern repeats against a Baylor defense that has actually been stout (holding Auburn to 17 and LA Tech to 19), the total has real downside risk. Baylor's own offense should be effective with Lagway reportedly back, but a game plan built around ball control and clock management with a lead would also work against a high total.

More key facts
  • Colorado scored 7 points in a 7-41 loss at Northwestern in its most recent game
  • Baylor has allowed 17 points to Auburn and 19 to LA Tech in its two games since the opener

The call, written up

On the spread

Colorado at Baylor, Baylor -9.5. The market opened between -6.5 (FanDuel) and -9 elsewhere and has moved to -9.5/-10 across books by Sept. 23. Baylor QB DJ Lagway, out with a high-ankle sprain, received the "green light" to play from coach Dave Aranda (Sept. 21-22), with WR Jadon Porter and others, Devin Turner and Logan Moore, also expected back (Sept. 21); backup Nate Bennett threw three touchdowns for 253 yards filling in against Louisiana Tech (Sept. 23). Colorado was blown out 7-41 at Northwestern, with four turnovers and three failed fourth downs despite 348 yards (Sept. 19), and has scored just 21 combined points, three touchdowns, in two games against Power Four defenses (Sept. 23); coach Deion Sanders confirmed a few players were dismissed after that loss (Sept. 22). The strongest case against Baylor: it is 2-8 against the spread in its last 10 games and Lagway's ankle was 60 to 70 percent a week earlier. Take Baylor -9.5 at -118, FanDuel.

On the total

Under 55.5. The total opened between 52.5 (FanDuel) and 55 elsewhere and rose to 55.5 everywhere on the Lagway news (Sept. 23). Colorado has scored just 21 points, three touchdowns, in two games against Power Four defenses, including seven at Northwestern (Sept. 19-23), while Baylor's defense has allowed 13 a game, holding Auburn to 17 and Louisiana Tech to 19 (Sept. 21). Counter-case: a healthy Lagway could push Baylor past its backup output, and Colorado allowed 41 to Northwestern, so turnovers could hand Baylor short fields.

How to read this page

The calls come first on this page: the spread and the total, each a Pick or a Lean, then Ace, Stack and Buck one by one. The market's number, our number and the gap between them sit further down as MODEL CONTEXT: that is the input our analyst panel argued from, not a call of its own. A Pick is our strongest call and goes on the record. A Lean is which way we lean on a game and is not a pick.The meter shows how strongly the panel backs the call. It is not a probability or a hit rate.

The signals and the market

2 independent signals on this game. The tally per side, every angle with its sample size, and the line movement from open to now open with membership. They are research context, never a pick. Membership

Model context

The numbers the panel argued from. Our models price a game, the panel makes the call, and the calls above are the call. Nothing in this block is a call.

Locked line
Colorado +9.5 · Baylor -9.5
the spread we locked at, it does not move
Our model number
Baylor by 16.5
the calibrated EL CFB rating number
Spread gap
8 points
the distance between our model number and the market, on the Baylor -8.5 side. Context for the panel, not a call of its own.
Market total
54.5
market total at the model run, Sep 26, 12:38 PM ET
Our total
52.8
EL CFB Totals
Total gap
-1.7
the distance between our model total and the market total. Context for the panel, not a call of its own.

The totals number is a registered candidate that loses to the closing total: across 2,264 held out games it missed the combined score by 12.862 points on average and the closing total missed by 12.635, ahead of us in all 3 of those seasons, so it never posts to the board and never enters the record on its own.

The write-up

The case

Colorado at Baylor, Baylor -9.5. The market opened between -6.5 (FanDuel) and -9 elsewhere and has moved to -9.5/-10 across books by Sept. 23. Baylor QB DJ Lagway, out with a high-ankle sprain, received the "green light" to play from coach Dave Aranda (Sept. 21-22), with WR Jadon Porter and others, Devin Turner and Logan Moore, also expected back (Sept. 21); backup Nate Bennett threw three touchdowns for 253 yards filling in against Louisiana Tech (Sept. 23). Colorado was blown out 7-41 at Northwestern, with four turnovers and three failed fourth downs despite 348 yards (Sept. 19), and has scored just 21 combined points, three touchdowns, in two games against Power Four defenses (Sept. 23); coach Deion Sanders confirmed a few players were dismissed after that loss (Sept. 22). The strongest case against Baylor: it is 2-8 against the spread in its last 10 games and Lagway's ankle was 60 to 70 percent a week earlier. Take Baylor -9.5 at -118, FanDuel.

Recorded price

fanduel: Baylor -9.5 at -118, verified 2026-09-23T23:03:33.214Z.

The total

Under 55.5 (Lean). Under 55.5. The total opened between 52.5 (FanDuel) and 55 elsewhere and rose to 55.5 everywhere on the Lagway news (Sept. 23). Colorado has scored just 21 points, three touchdowns, in two games against Power Four defenses, including seven at Northwestern (Sept. 19-23), while Baylor's defense has allowed 13 a game, holding Auburn to 17 and Louisiana Tech to 19 (Sept. 21). Counter-case: a healthy Lagway could push Baylor past its backup output, and Colorado allowed 41 to Northwestern, so turnovers could hand Baylor short fields.

written before kickoff, frozen at kickoff

Trends and splits

Descriptive context, every line with the games it counts. Filters like these did not hold up as predictors in our testing, so none of this feeds a call and none of it is a reason a pick wins. Situational splits look back 3 seasons and need at least 8 decided games to be shown at all. Records against the number and on the total join these once our closing-line history is restored; the straight-up splits are live now.

Colorado
  • won 2 of their last 5 (n=5, 2025 to 2026)
  • 2-7 straight up in night divisional games (n=9, 2024 to 2025)
Baylor
  • won 2 of their last 5 (n=5, 2025 to 2026)
  • 6-2 straight up in home day games (n=8, 2024 to 2026)
The rest of the splits we can compute on this game
Colorado
  • won 3 of their last 10 (n=10, 2025 to 2026)
  • 8-3 straight up in day games (n=11, 2024 to 2026)
  • 6-3 straight up in day divisional games (n=9, 2024 to 2025)
  • 6-11 straight up in night games (n=17, 2024 to 2026)
  • 9-5 straight up at home (n=14, 2024 to 2026)
  • 5-3 straight up at home after a straight up loss (n=8, 2024 to 2025)
  • 3-5 straight up in divisional games after a straight up loss (n=8, 2024 to 2025)
  • 3-5 straight up in road divisional games (n=8, 2024 to 2025)
  • 5-7 straight up on the road (n=12, 2024 to 2026)
  • 8-6 straight up after a straight up loss (n=14, 2024 to 2026)
  • 8-10 straight up in divisional games (n=18, 2024 to 2025)
  • 5-4 straight up in home divisional games (n=9, 2024 to 2025)
  • 4-5 straight up in home night games (n=9, 2024 to 2025)
  • 4-4 straight up in night games after a straight up loss (n=8, 2024 to 2026)
Baylor
  • won 4 of their last 10 (n=10, 2025 to 2026)
  • 10-5 straight up at home (n=15, 2024 to 2026)
  • 3-5 straight up in divisional games after a straight up loss (n=8, 2024 to 2025)
  • 7-5 straight up in day divisional games (n=12, 2024 to 2025)
  • 10-8 straight up in day games (n=18, 2024 to 2026)
  • 4-5 straight up in day games after a straight up loss (n=9, 2024 to 2026)
  • 5-4 straight up in home divisional games (n=9, 2024 to 2025)
  • 4-5 straight up in road divisional games (n=9, 2024 to 2025)
  • 5-6 straight up on the road (n=11, 2024 to 2025)
  • 9-9 straight up in divisional games (n=18, 2024 to 2025)
  • 7-7 straight up after a straight up loss (n=14, 2024 to 2026)
  • 5-5 straight up in night games (n=10, 2024 to 2026)
  • 4-4 straight up in road day games (n=8, 2024 to 2025)

Conditions at kickoff

Clear. 85F · wind 8 mph

The ratings underneath, and where the numbers come from

The two numbers underneath

TeamEL ratingConference
Colorado -6.29 Big 12
Baylor 5.434 Big 12

Our number includes about 2.5 points of home field. Full board: the power ratings.

Where the numbers come from. Schedules and finals come from the league data we load each night. Lines are the latest capture at DraftKings, FanDuel or BetMGM, with the book named beside every number. Every Pick locks when it posts and grades at that number on the public record. Our number is context; the panel makes the call. Research, never a guarantee. 21+.