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CFB · Week 1 · Sat, Sep 5 · 12:00 PM ET · Memorial Stadium (Bloomington, IN) · FINAL North Texas 16, Indiana 52

North Texas at Indiana. Pick: North Texas +40.5. No call on the total.

WIN We had North Texas +40.5. It cashed.

The call

Pick Spread free WIN
North Texas +40.5
locked Mon 6:36am ET
North Texas 16, Indiana 52
free pick, released Tue 9:05am ET
Called under the rule in force that week.
No call Total
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.

The signals and the market

7 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
North Texas +40.5 · Indiana -40.5
the spread we locked at, it does not move
Our model number
Indiana by 20.4
the calibrated EL CFB rating number
Spread gap
15.1 points
the distance between our model number and the market, on the North Texas +35.5 side. Context for the panel, not a call of its own.
Market total
61.5
market total at the model run, Sep 8, 12:28 AM ET
Our total
60.5
EL CFB Totals
Total gap
-1.0
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

Our model makes Indiana an 18.1 point favorite at home, 2.5 points of home field included. The market had Indiana by 40.5 when we made the pick. The gap is 22.4 points, and it points to North Texas +40.5. Locked Mon 6:36am ET, and it grades at that number.

The independent signals

The trend engine has 5 independent reads on this game, 1 of them on the side. Rating-adjacent categories are left out, so none of these is our own number in different words.

  • Early-season total of 56.5 fits the validated under window, unders 55% historically (n=943). On the total, not the side (under).
  • Indiana games go OVER 58% at home (n=74). On the total, not the side (over).
  • North Texas have gone OVER in 7 of their last 10 (n=10). On the total, not the side (over).
  • North Texas have covered in 8 of their last 10 (n=10). Agrees with the pick.
  • Indiana favored by 40.5, blowout-range spread. Context, no side taken.

Trends

Descriptive context, each line with the games it counts. Filters like these did not hold up as predictors in testing, so none of this feeds the call and none of it is a reason the pick wins. Situational splits look back 3 seasons and every line states its own span.

  • North Texas: won 4 of their last 5 (n=5, 2025)
  • North Texas: 6-3 straight up in road day games (n=9, 2023 to 2025)
  • Indiana: won 5 of their last 5 (n=5, 2025)
  • Indiana: won 16 straight
  • Indiana: 11-1 straight up in night games (n=12, 2023 to 2025)

Scoring profiles

2025: North Texas scored 45.1 and allowed 26.5 per game (n=14). Indiana scored 41.6 and allowed 11.7 per game (n=16).

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.

North Texas
  • won 4 of their last 5 (n=5, 2025)
  • 6-3 straight up in road day games (n=9, 2023 to 2025)
Indiana
  • won 5 of their last 5 (n=5, 2025)
  • won 16 straight
  • 11-1 straight up in night games (n=12, 2023 to 2025)
Over and under splits
  • Early-season total of 61.5 fits the validated under window, unders 55% historically (n=943)
    total · under · moderate · n=943
    H64 (validated): Aug through mid-Sep games with a closing total of 47+ landed under 55% of 943 games, 2015-2025. Recent seasons: 2022: 58% (n=92) · 2023: 53% (n=81) · 2024: 57% (n=103) · 2025: 52% (n=119). 2025 ran soft at 52.1%, below the -110 breakeven, and the 2026 forward test is pre-committed on the early-totals page. Early-season totals are shaded up by public over-action; the market corrects as real form data arrives.
  • Indiana games go OVER 58% at home (n=74)
    total · over · moderate · n=74
    Multi-season split: Indiana at home landed over 58% of 74 gradable games (2013-2025). A genuine venue tendency, one of several reasons to lean over, not a standalone edge.
  • North Texas have gone OVER in 7 of their last 10
    total · over · lean · n=10
    North Texas's last 10 gradable games landed over 70% vs the consensus total. Streak continuation tested 2013-2025: 49.5% train / 46.4% held-out 2025, it does NOT persist. A real recent pattern, weigh with the matchup, not alone.
The rest of the splits we can compute on this game
North Texas
  • won 8 of their last 10 (n=10, 2025)
  • 4-7 straight up in divisional games after a straight up loss (n=11, 2023 to 2025)
  • 12-7 straight up at home (n=19, 2023 to 2025)
  • 9-6 straight up in night games (n=15, 2023 to 2025)
  • 4-6 straight up at home after a straight up loss (n=10, 2023 to 2025)
  • 14-10 straight up in day games (n=24, 2023 to 2025)
  • 7-5 straight up in road divisional games (n=12, 2023 to 2025)
  • 9-7 straight up in day divisional games (n=16, 2023 to 2025)
  • 10-8 straight up on the road (n=18, 2023 to 2025)
  • 4-5 straight up in road night games (n=9, 2023 to 2025)
  • 5-6 straight up in day games after a straight up loss (n=11, 2023 to 2025)
  • 13-11 straight up in divisional games (n=24, 2023 to 2025)
  • 7-6 straight up in home day games (n=13, 2023 to 2025)
  • 8-9 straight up after a straight up loss (n=17, 2023 to 2025)
  • 6-6 straight up in home divisional games (n=12, 2023 to 2025)
  • 4-4 straight up in night divisional games (n=8, 2023 to 2025)
Indiana
  • won 10 of their last 10 (n=10, 2025)
  • 18-3 straight up at home (n=21, 2023 to 2025)
  • 12-3 straight up in home day games (n=15, 2023 to 2025)
  • 10-3 straight up in home divisional games (n=13, 2023 to 2025)
  • 2-6 straight up in divisional games after a straight up loss (n=8, 2023 to 2024)
  • 3-6 straight up in day games after a straight up loss (n=9, 2023 to 2025)
  • 18-9 straight up in divisional games (n=27, 2023 to 2025)
  • 6-3 straight up at home after a straight up loss (n=9, 2023 to 2025)
  • 19-10 straight up in day games (n=29, 2023 to 2025)
  • 14-9 straight up in day divisional games (n=23, 2023 to 2025)
  • 5-6 straight up in road day games (n=11, 2023 to 2025)
  • 7-6 straight up in road divisional games (n=13, 2023 to 2025)
  • 7-7 straight up on the road (n=14, 2023 to 2025)
  • 6-6 straight up after a straight up loss (n=12, 2023 to 2025)

Conditions at kickoff

Clear. 84F · wind 9 mph

The ratings underneath, and where the numbers come from

The two numbers underneath

TeamEL ratingConference
North Texas 2.254 American Athletic
Indiana 17.2 Big Ten

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+.