2026 Win-Loss Predictions
Predicted records for every FBS team, reported as full probability distributions rather than single guaranteed outcomes. Each game is given a win-percentage chance based on roster strength, coaching, home field, and the gauntlet penalty for tough multi-week stretches: a team favored 90% is nearly automatic; a team favored 52% is essentially a coin flip. Add those per-game chances together to get how the season is most likely to play out.
The key thing to remember: a team favored in 12 close games rarely wins all 12. Stringing wins together compounds, so even the strongest teams usually drop a game or two they were favored to win. Teams are ranked by expected wins, with strength of schedule breaking ties: when two teams project for the same record, the one that earned it against the tougher schedule ranks higher. RPI (a blend of expected win percentage, opponent talent, and opponents' opponent talent) is shown alongside as an additional measure.
How to read each column:
- SOS: opponent talent on a 0 to 1 scale. A 0.80 means the team faces opponents in the top fifth of FBS rosters. This is the tiebreaker between teams with equal expected wins.
- RPI: a blended rating of win percentage and schedule strength. Higher is better. Shown as a secondary measure.
- Stat W-L: average wins if you replayed the season many times. Captures fractional outcomes (a team favored in eight games by ~70% will average around 5.6 wins from those games).
- W-L: the single most likely actual record (the peak of the bell curve). This is usually the most realistic single answer for "what will this team finish at."
- P(undefeated): chance the team runs the table.
- P(1 loss): chance the team finishes with exactly one loss.
The probability conversion was tuned against 1,625 FBS games from the 2024 and 2025 seasons; the win-percentages here are calibrated to match how often favorites in real games actually win.
| # | Team | SOS | RPI | Stat W-L | W-L | P(undefeated) | P(1 loss) |
|---|---|---|---|---|---|---|---|
| 1 | Texas TechBig 12 | 0.718 | 0.766 | 9.58-2.42 | 10-2 | 6.0% | 19.9% |
| 2 | OregonBig Ten | 0.814 | 0.798 | 9.31-2.69 | 10-2 | 4.1% | 15.8% |
| 3 | MiamiACC | 0.724 | 0.755 | 9.28-2.72 | 9-3 | 3.9% | 15.4% |
| 4 | IndianaBig Ten | 0.765 | 0.769 | 9.05-2.95 | 9-3 | 2.9% | 12.6% |
| 5 | Penn StateBig Ten | 0.683 | 0.727 | 8.97-3.03 | 9-3 | 2.8% | 12.0% |
| 6 | LSUSEC | 0.777 | 0.772 | 8.77-3.23 | 9-3 | 1.7% | 9.1% |
| 7 | South CarolinaSEC | 0.752 | 0.763 | 8.71-3.29 | 9-3 | 1.7% | 8.8% |
| 8 | PittsburghACC | 0.718 | 0.729 | 8.64-3.36 | 9-3 | 1.4% | 7.9% |
| 9 | UNLVMountain West | 0.310 | 0.527 | 8.64-3.36 | 9-3 | 1.7% | 8.6% |
| 10 | TexasSEC | 0.833 | 0.784 | 8.47-3.53 | 9-3 | 1.2% | 7.0% |
| 11 | BYUBig 12 | 0.786 | 0.749 | 8.35-3.65 | 8-4 | 1.1% | 6.2% |
| 12 | Notre DameIndependents | 0.733 | 0.723 | 8.32-3.68 | 8-4 | 0.9% | 5.8% |
| 13 | SMUACC | 0.663 | 0.697 | 8.32-3.68 | 8-4 | 0.9% | 5.6% |
| 14 | GeorgiaSEC | 0.846 | 0.783 | 8.30-3.70 | 8-4 | 0.9% | 5.4% |
| 15 | ArizonaBig 12 | 0.742 | 0.726 | 8.18-3.82 | 8-4 | 0.6% | 4.3% |
| 16 | Kansas StateBig 12 | 0.716 | 0.718 | 8.16-3.84 | 8-4 | 0.8% | 4.9% |
| 17 | HawaiiMountain West | 0.455 | 0.577 | 8.10-3.90 | 8-4 | 0.7% | 4.6% |
| 18 | Ohio StateBig Ten | 0.827 | 0.761 | 8.09-3.91 | 8-4 | 0.6% | 4.3% |
| 19 | Ole MissSEC | 0.848 | 0.774 | 8.04-3.96 | 8-4 | 0.5% | 3.8% |
| 20 | UtahBig 12 | 0.702 | 0.709 | 7.95-4.05 | 8-4 | 0.5% | 3.6% |
| 21 | AuburnSEC | 0.804 | 0.755 | 7.93-4.07 | 8-4 | 0.4% | 3.4% |
| 22 | VirginiaACC | 0.667 | 0.680 | 7.79-4.21 | 8-4 | 0.4% | 3.1% |
| 23 | UCLABig Ten | 0.732 | 0.708 | 7.71-4.29 | 8-4 | 0.3% | 2.5% |
| 24 | Western MichiganMAC | 0.400 | 0.542 | 7.70-4.30 | 8-4 | 0.3% | 2.6% |
| 25 | MinnesotaBig Ten | 0.754 | 0.721 | 7.69-4.31 | 8-4 | 0.3% | 2.4% |
| 26 | Kennesaw StateC-USA | 0.500 | 0.579 | 7.64-4.36 | 8-4 | 0.3% | 2.5% |
| 27 | Texas StatePac-12 | 0.520 | 0.615 | 7.57-3.43 | 8-3 | 0.9% | 6.7% |
| 28 | TroySun Belt | 0.419 | 0.535 | 7.52-4.48 | 8-4 | 0.2% | 2.1% |
| 29 | Oklahoma StateBig 12 | 0.789 | 0.725 | 7.51-4.49 | 8-4 | 0.2% | 1.9% |
| 30 | IllinoisBig Ten | 0.814 | 0.734 | 7.49-4.51 | 8-4 | 0.2% | 1.8% |
| 31 | ArmyAAC | 0.369 | 0.478 | 7.48-5.52 | 8-5 | 0.1% | 0.6% |
| 32 | OklahomaSEC | 0.823 | 0.743 | 7.40-4.60 | 7-5 | 0.2% | 1.8% |
| 33 | UCFBig 12 | 0.752 | 0.704 | 7.31-4.69 | 7-5 | 0.2% | 1.5% |
| 34 | FAUAAC | 0.445 | 0.541 | 7.30-4.70 | 7-5 | 0.2% | 1.5% |
| 35 | UConnIndependents | 0.362 | 0.516 | 7.24-4.76 | 7-5 | 0.2% | 1.4% |
| 36 | BuffaloMAC | 0.454 | 0.536 | 7.23-4.77 | 7-5 | 0.1% | 0.9% |
| 37 | Eastern MichiganMAC | 0.465 | 0.549 | 7.17-4.83 | 7-5 | 0.1% | 1.2% |
| 38 | HoustonBig 12 | 0.770 | 0.701 | 7.16-4.84 | 7-5 | 0.1% | 1.1% |
| 39 | Boise StatePac-12 | 0.607 | 0.607 | 7.11-4.89 | 7-5 | 0.1% | 1.0% |
| 40 | LouisvilleACC | 0.774 | 0.705 | 7.08-4.92 | 7-5 | 0.1% | 1.1% |
| 41 | FIUC-USA | 0.479 | 0.536 | 7.07-4.93 | 7-5 | 0.1% | 1.1% |
| 42 | New MexicoMountain West | 0.512 | 0.555 | 7.05-4.95 | 7-5 | 0.1% | 0.7% |
| 43 | Appalachian StateSun Belt | 0.413 | 0.498 | 7.05-4.95 | 7-5 | 0.1% | 1.1% |
| 44 | San Jose StateMountain West | 0.446 | 0.512 | 6.99-5.01 | 7-5 | 0.1% | 0.9% |
| 45 | ULMSun Belt | 0.399 | 0.503 | 6.98-5.02 | 7-5 | 0.1% | 1.0% |
| 46 | NC StateACC | 0.651 | 0.644 | 6.94-5.06 | 7-5 | 0.1% | 0.9% |
| 47 | Texas A&MSEC | 0.821 | 0.723 | 6.86-5.14 | 7-5 | 0.1% | 0.6% |
| 48 | MarylandBig Ten | 0.804 | 0.707 | 6.86-5.14 | 7-5 | 0.1% | 0.7% |
| 49 | Fresno StatePac-12 | 0.505 | 0.558 | 6.80-5.20 | 7-5 | 0.1% | 0.7% |
| 50 | RutgersBig Ten | 0.777 | 0.696 | 6.79-5.21 | 7-5 | 0.1% | 0.6% |
| 51 | DelawareC-USA | 0.536 | 0.566 | 6.79-5.21 | 7-5 | 0.1% | 0.7% |
| 52 | LibertyC-USA | 0.460 | 0.521 | 6.75-5.25 | 7-5 | 0.1% | 0.7% |
| 53 | DukeACC | 0.764 | 0.684 | 6.73-5.27 | 7-5 | 0.0% | 0.6% |
| 54 | Jacksonville StateC-USA | 0.474 | 0.529 | 6.73-5.27 | 7-5 | 0.0% | 0.5% |
| 55 | TulaneAAC | 0.533 | 0.556 | 6.68-5.32 | 7-5 | 0.1% | 0.6% |
| 56 | Old DominionSun Belt | 0.394 | 0.488 | 6.67-5.33 | 7-5 | 0.1% | 0.6% |
| 57 | ClemsonACC | 0.810 | 0.699 | 6.65-5.35 | 7-5 | 0.0% | 0.4% |
| 58 | TCUBig 12 | 0.809 | 0.697 | 6.61-5.39 | 7-5 | 0.0% | 0.4% |
| 59 | UMassMAC | 0.439 | 0.495 | 6.60-6.40 | 7-6 | 0.0% | 0.1% |
| 60 | AlabamaSEC | 0.833 | 0.715 | 6.56-5.44 | 7-5 | 0.0% | 0.4% |
| 61 | Georgia SouthernSun Belt | 0.487 | 0.535 | 6.56-5.44 | 7-5 | 0.0% | 0.5% |
| 62 | BaylorBig 12 | 0.777 | 0.689 | 6.55-5.45 | 7-5 | 0.0% | 0.4% |
| 63 | TempleAAC | 0.420 | 0.486 | 6.47-5.53 | 6-6 | 0.0% | 0.4% |
| 64 | MarshallSun Belt | 0.449 | 0.503 | 6.45-5.55 | 6-6 | 0.0% | 0.3% |
| 65 | Georgia TechACC | 0.760 | 0.680 | 6.39-5.61 | 6-6 | 0.0% | 0.3% |
| 66 | Ball StateMAC | 0.432 | 0.512 | 6.37-5.63 | 6-6 | 0.0% | 0.2% |
| 67 | Coastal CarolinaSun Belt | 0.401 | 0.482 | 6.37-5.63 | 6-6 | 0.0% | 0.4% |
| 68 | MemphisAAC | 0.431 | 0.482 | 6.35-5.65 | 6-6 | 0.0% | 0.3% |
| 69 | TulsaAAC | 0.478 | 0.535 | 6.32-5.68 | 6-6 | 0.0% | 0.3% |
| 70 | VanderbiltSEC | 0.791 | 0.696 | 6.29-5.71 | 6-6 | 0.0% | 0.2% |
| 71 | UABAAC | 0.404 | 0.485 | 6.25-5.75 | 6-6 | 0.0% | 0.3% |
| 72 | TennesseeSEC | 0.834 | 0.705 | 6.24-5.76 | 6-6 | 0.0% | 0.2% |
| 73 | NorthwesternBig Ten | 0.833 | 0.699 | 6.23-5.77 | 6-6 | 0.0% | 0.2% |
| 74 | Colorado StatePac-12 | 0.553 | 0.556 | 6.23-5.77 | 6-6 | 0.0% | 0.2% |
| 75 | RiceAAC | 0.560 | 0.544 | 6.20-5.80 | 6-6 | 0.0% | 0.2% |
| 76 | MissouriSEC | 0.821 | 0.704 | 6.18-5.82 | 6-6 | 0.0% | 0.2% |
| 77 | ToledoMAC | 0.422 | 0.492 | 6.17-5.83 | 6-6 | 0.0% | 0.2% |
| 78 | IowaBig Ten | 0.755 | 0.669 | 6.15-5.85 | 6-6 | 0.0% | 0.2% |
| 79 | USFAAC | 0.387 | 0.463 | 6.09-5.91 | 6-6 | 0.0% | 0.2% |
| 80 | Wake ForestACC | 0.757 | 0.655 | 6.04-5.96 | 6-6 | 0.0% | 0.2% |
| 81 | Kent StateMAC | 0.626 | 0.576 | 6.04-5.96 | 6-6 | 0.0% | 0.1% |
| 82 | North TexasAAC | 0.597 | 0.554 | 6.04-5.96 | 6-6 | 0.0% | 0.1% |
| 83 | FloridaSEC | 0.893 | 0.720 | 6.02-5.98 | 6-6 | 0.0% | 0.2% |
| 84 | Arkansas StateSun Belt | 0.447 | 0.488 | 6.00-6.00 | 6-6 | 0.0% | 0.2% |
| 85 | WyomingMountain West | 0.388 | 0.458 | 5.99-6.01 | 6-6 | 0.0% | 0.1% |
| 86 | Western KentuckyC-USA | 0.620 | 0.580 | 5.97-6.03 | 6-6 | 0.0% | 0.1% |
| 87 | Utah StatePac-12 | 0.606 | 0.573 | 5.94-6.06 | 6-6 | 0.0% | 0.1% |
| 88 | Florida StateACC | 0.813 | 0.680 | 5.92-6.08 | 6-6 | 0.0% | 0.1% |
| 89 | Oregon StatePac-12 | 0.601 | 0.571 | 5.89-6.11 | 6-6 | 0.0% | 0.1% |
| 90 | Georgia StateSun Belt | 0.470 | 0.491 | 5.87-6.13 | 6-6 | 0.0% | 0.1% |
| 91 | NebraskaBig Ten | 0.791 | 0.668 | 5.85-6.15 | 6-6 | 0.0% | 0.1% |
| 92 | USCBig Ten | 0.817 | 0.672 | 5.82-6.18 | 6-6 | 0.0% | 0.1% |
| 93 | Southern MissSun Belt | 0.427 | 0.473 | 5.81-6.19 | 6-6 | 0.0% | 0.1% |
| 94 | AkronMAC | 0.549 | 0.536 | 5.79-6.21 | 6-6 | 0.0% | 0.1% |
| 95 | Arizona StateBig 12 | 0.840 | 0.685 | 5.78-6.22 | 6-6 | 0.0% | 0.1% |
| 96 | LouisianaSun Belt | 0.431 | 0.474 | 5.78-6.22 | 6-6 | 0.0% | 0.1% |
| 97 | South AlabamaSun Belt | 0.373 | 0.455 | 5.77-6.23 | 6-6 | 0.0% | 0.1% |
| 98 | Air ForceMountain West | 0.382 | 0.442 | 5.70-6.30 | 6-6 | 0.0% | 0.1% |
| 99 | New Mexico StateC-USA | 0.539 | 0.529 | 5.68-6.32 | 6-6 | 0.0% | 0.1% |
| 100 | KansasBig 12 | 0.795 | 0.665 | 5.67-6.33 | 6-6 | 0.0% | 0.1% |
| 101 | WashingtonBig Ten | 0.792 | 0.663 | 5.67-6.33 | 6-6 | 0.0% | 0.1% |
| 102 | NavyAAC | 0.472 | 0.489 | 5.66-6.34 | 6-6 | 0.0% | 0.1% |
| 103 | CincinnatiBig 12 | 0.786 | 0.658 | 5.63-6.37 | 6-6 | 0.0% | 0.1% |
| 104 | East CarolinaAAC | 0.404 | 0.457 | 5.60-6.40 | 6-6 | 0.0% | 0.1% |
| 105 | Miami (OH)MAC | 0.532 | 0.523 | 5.58-6.42 | 6-6 | 0.0% | 0.1% |
| 106 | Michigan StateBig Ten | 0.789 | 0.657 | 5.56-6.44 | 6-6 | 0.0% | 0.1% |
| 107 | KentuckySEC | 0.837 | 0.681 | 5.52-6.48 | 5-7 | 0.0% | 0.1% |
| 108 | CharlotteAAC | 0.476 | 0.490 | 5.52-6.48 | 5-7 | 0.0% | 0.1% |
| 109 | San Diego StatePac-12 | 0.514 | 0.510 | 5.41-6.59 | 5-7 | 0.0% | 0.0% |
| 110 | Virginia TechACC | 0.784 | 0.645 | 5.39-6.61 | 5-7 | 0.0% | 0.0% |
| 111 | Sam HoustonC-USA | 0.572 | 0.528 | 5.39-6.61 | 5-7 | 0.0% | 0.0% |
| 112 | OhioMAC | 0.507 | 0.495 | 5.32-6.68 | 5-7 | 0.0% | 0.0% |
| 113 | StanfordACC | 0.787 | 0.640 | 5.29-6.71 | 5-7 | 0.0% | 0.0% |
| 114 | Bowling GreenMAC | 0.511 | 0.502 | 5.28-6.72 | 5-7 | 0.0% | 0.0% |
| 115 | Iowa StateBig 12 | 0.783 | 0.642 | 5.27-6.73 | 5-7 | 0.0% | 0.0% |
| 116 | James MadisonSun Belt | 0.389 | 0.424 | 5.27-6.73 | 5-7 | 0.0% | 0.0% |
| 117 | WisconsinBig Ten | 0.767 | 0.636 | 5.21-6.79 | 5-7 | 0.0% | 0.0% |
| 118 | Middle TennesseeC-USA | 0.498 | 0.492 | 5.18-6.82 | 5-7 | 0.0% | 0.0% |
| 119 | North CarolinaACC | 0.775 | 0.633 | 5.17-6.83 | 5-7 | 0.0% | 0.0% |
| 120 | Missouri StateC-USA | 0.647 | 0.556 | 5.15-6.85 | 5-7 | 0.0% | 0.0% |
| 121 | PurdueBig Ten | 0.820 | 0.654 | 5.09-6.91 | 5-7 | 0.0% | 0.0% |
| 122 | MichiganBig Ten | 0.854 | 0.665 | 5.07-6.93 | 5-7 | 0.0% | 0.0% |
| 123 | Boston CollegeACC | 0.791 | 0.637 | 4.99-7.01 | 5-7 | 0.0% | 0.0% |
| 124 | NevadaMountain West | 0.518 | 0.482 | 4.84-7.16 | 5-7 | 0.0% | 0.0% |
| 125 | CalACC | 0.747 | 0.608 | 4.81-7.19 | 5-7 | 0.0% | 0.0% |
| 126 | UTSAAAC | 0.576 | 0.508 | 4.76-7.24 | 5-7 | 0.0% | 0.0% |
| 127 | West VirginiaBig 12 | 0.810 | 0.628 | 4.55-7.45 | 4-8 | 0.0% | 0.0% |
| 128 | ColoradoBig 12 | 0.843 | 0.646 | 4.50-7.50 | 4-8 | 0.0% | 0.0% |
| 129 | Northern IllinoisMAC | 0.541 | 0.486 | 4.50-7.50 | 4-8 | 0.0% | 0.0% |
| 130 | Washington StatePac-12 | 0.698 | 0.564 | 4.46-7.54 | 4-8 | 0.0% | 0.0% |
| 131 | Louisiana TechSun Belt | 0.550 | 0.485 | 4.45-7.55 | 4-8 | 0.0% | 0.0% |
| 132 | ArkansasSEC | 0.891 | 0.657 | 4.19-7.81 | 4-8 | 0.0% | 0.0% |
| 133 | UTEPC-USA | 0.564 | 0.493 | 4.16-7.84 | 4-8 | 0.0% | 0.0% |
| 134 | Mississippi StateSEC | 0.890 | 0.650 | 4.00-8.00 | 4-8 | 0.0% | 0.0% |
| 135 | Central MichiganMAC | 0.557 | 0.457 | 3.65-8.35 | 3-9 | 0.0% | 0.0% |
| 136 | SyracuseACC | 0.746 | 0.563 | 3.46-8.54 | 3-9 | 0.0% | 0.0% |