UL Monroe at Troy

Week 8 · Oct 24Veterans Memorial Stadium (AL) · Troy, AL

Matchup View

Pregame view lockedThe OV Line and Factors remain frozen. The market comparison uses the completed-game record below.
Locked
Opening LineTroy -17.5Before any Factor adjustments This is the matchup estimate implied by the OV Ratings before any game-specific Factors. Why doesn’t OnVarsity adjust it automatically?
Your ViewMake 25 picks to unlockBased on your personal ratings
Last Observed Pregame Market ConsensusTroy -1311-book consensus · observed Oct 24, 2:12 PM EDT
Why the market may differNo Factors

No Explanatory Factors were identified for this game.

Unexplained Gap~4.5 pts toward UL MonroeExplore similar gaps
Other conditions we evaluatedNot included in the estimate

These conditions were relevant to this matchup, but their studies did not justify a separate Factor estimate. That does not mean they never matter: some may already be reflected in preseason information or the opening market, may overlap with another Factor, or may simply lack a reliable additional effect.

Bounce-back after a loss Contradictory evidence

Troy enters after a loss in its previous lined game.

Studied in 2,630 eligible gamesOpen Ledger study

Bounce-back after a bad loss Contradictory evidence

Troy enters after losing its previous lined game by 27 points.

Studied in 1,930 eligible gamesOpen Ledger study

Favorite off a loss Contradictory evidence

Troy is favored after losing its previous lined game.

Studied in 1,220 eligible gamesOpen Ledger study

Lay it with a big favorite Developing estimate

Troy is favored by 14.0 points in the current market consensus.

Studied in 1,106 eligible gamesOpen Ledger study

Look-ahead game Contradictory evidence

Troy faces materially stronger James Madison in its next scheduled game.

Studied in 1,044 eligible gamesOpen Ledger study

Trap game Inconclusive

Troy is favored by at least seven points before facing materially stronger James Madison.

Studied in 838 eligible gamesOpen Ledger study

Bounce-back after a loss Contradictory evidence

UL Monroe enters after a loss in its previous lined game.

Studied in 2,630 eligible gamesOpen Ledger study

Bounce-back after a bad loss Contradictory evidence

UL Monroe enters after losing its previous lined game by 24 points.

Studied in 1,930 eligible gamesOpen Ledger study

Must-win after two losses Contradictory evidence

UL Monroe enters after two consecutive losses in lined games.

Studied in 1,859 eligible gamesOpen Ledger study

Must-win after three losses Contradictory evidence

UL Monroe enters after three consecutive losses in lined games.

Studied in 1,169 eligible gamesOpen Ledger study

Cold against-the-spread trend Developing estimate

UL Monroe has failed to cover at least three consecutive lined games.

Studied in 939 eligible gamesOpen Ledger study

Take the big underdog Contradictory evidence

UL Monroe is a 14.0-point underdog in the current market consensus.

Studied in 1,106 eligible gamesOpen Ledger study

Revenge game Developing estimate

UL Monroe lost the most recent meeting with Troy.

Studied in 3,848 eligible gamesOpen Ledger study

Revenge after humiliation Developing estimate

UL Monroe lost the most recent meeting with Troy by at least 14 points.

Studied in 1,910 eligible gamesOpen Ledger study

Rivalry games favor the underdog Developing estimate

UL Monroe is the underdog in a matchup played at least 6 times in the available prior-decade archive.

Studied in 1,849 eligible gamesOpen Ledger study
Completed gameWhat happened?UL Monroe 21 · Troy 14
Pregame OV Line
Troy -17.5
Last Observed Pregame Market Consensus
Troy -13
OV Factor-Adjusted Suggested Line
No quantified Factors
Actual margin
UL Monroe by 7

Observed 1h 47m before kickoff. Not a verified closing line. The OV Line and Factors retain their pregame values. One outcome does not prove that a Factor caused the market difference.

Pregame Win Probability
UL Monroe 8.7%Troy 91.3%

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Compare Teams

UL MonroeVSTroy

Model View

Overall Rating-22.8 · #135-11.6 · #106
Offense Rating-12.0-7.6
Defense Rating-10.8-4.0

2025 Performance

Offense PPA/Play0.080.08
Offense Success Rate37.0%37.9%
Defense PPA/Play Allowed0.190.11
Defense Success Rate Allowed40.7%39.6%

2026 Outlook

Market Win Total3.67.0
Playoff Odds<0.01%<0.01%
Strength of Schedule Rank107th100th