Under the hood
Methodology & technical details
The machinery underneath the ratings, matchup lines, simulations, and explanatory research.
The Rating
Each team's rating is solved from sportsbook win-total markets and the full 2026 FBS schedule — it's the number that makes a team's summed game-by-game win probabilities match what the market expects it to win, given who's actually on the schedule. The raw scale has no built-in zero, so everywhere on the site — rankings, team pages, matchups — ratings are displayed as Rating: the raw rating minus the average across all 138 FBS teams. A team at 0 is exactly average; above or below tells you which side of average it's on. The offense and defense splits use the same convention against their own averages, and still sum to the team's overall net rating.
Read the Ratings primer →Reading a Matchup
Subtracting two ratings (plus ~2.2 for home field) gets you close to a game's spread — but not exactly, and the gap grows for big mismatches. That's intentional: ratings are fit on a blowout-capped scale (real margins clipped at ±28, the standard way to keep score-running from distorting ratings for competitive games), which makes raw rating gaps under-predict real-world margins for lopsided games by up to ~9 points. Displayed spreads apply an empirically fitted, held-out-validated correction for exactly that compression — and it's the corrected number that matches real sportsbook lines. So a 12-point rating gap can honestly display as a 16-point spread; win probabilities use the uncorrected scale they were calibrated on.
The matchup view puts the independent Line beside market consensus. Their difference is the market gap. Quantified Factors show historically supported reasons that may explain some of that gap; their rough sum is context, not a replacement betting line. Any remainder stays visible because unidentified information may still matter.
Read the Matchup primer →Building My Ratings
My Ratings turns your neutral-field winner choices into a personal ranking. Early picks can move teams substantially because the system has little evidence about your view; additional comparisons anchor them. Your ratings stay separate from the Rating and are stored only in your browser.
Read the My Ratings primer →Using the Ledger
Every Explanatory Factor study belongs in the Ledger—including findings that did not support a separate adjustment. Each entry shows the sample, estimate, validation, limitations, product decision, and available game-level evidence behind what appears on matchup pages.
Read the Ledger primer →Offense / Defense Split
Each rating splits into an offense and defense half using the team's most recent full season of per-play production (PPA, success rate), regressed toward a league-average expectation. A new coaching staff or low returning production pulls that split harder toward the average, since last year's numbers are a weaker signal of what's coming — flagged with a chip on the team page when it applies.
Playoff Odds & Win Totals
Playoff odds and win-total distributions come from 50,000 simulated seasons per team, played out game-by-game against the real schedule.
Moneylines
Moneylines on the Top Games page aren't real sportsbook prices — they're the model's own win probability converted to American odds with a standard -110/-110-equivalent vig (a bookmaker's built-in edge) applied independently to each side, then rounded to the nearest $5 the way real books quote lines.
Market Fit
How closely the fitted ratings reconstruct each team's sportsbook win total. Smaller residuals indicate a better solution fit; this is a fitting diagnostic, not an independent model-vs-market comparison.
Offense vs. Defense
Each team's rating split into an offense and a defense half.
Data & trademarks
Data provided in part by CollegeFootballData.com. College and conference names, logos, and other identifying marks are the property of their respective institutions, conferences, and rights holders. They are used by OnVarsity for editorial and identification purposes. OnVarsity is an independent publication and is not affiliated with, endorsed by, or sponsored by the NCAA, any conference, school, team, sportsbook, or CollegeFootballData.com.