Navy vs. UTSAFinal score and model picks, graded
| Team | 1 | 2 | 3 | 4 | T |
|---|---|---|---|---|---|
| NAVY | 7 | 13 | 0 | 14 | 34 |
| UTSA | 0 | 21 | 3 | 14 | 38 |
Top model pick, graded
WonNavy Midshipmen spread +5.5 51¢
Why Saturday Board likes it: Model margin mean is UTSA +4.0 with 17-point SD; Navy's .493 success rate and 2.582 PPD slightly exceed UTSA's .488 and 2.533.
How the picks did
Models went 11-8 on this game · +10% return
- Navy Midshipmen spread +5.5+96%Won
Taken at 51¢ on Kalshi
2 modelsSaturday Board, ProphetX CFB LinesWhy 2 models like it
Saturday Board- Model margin mean is UTSA +4.0 with 17-point SD; Navy's .493 success rate and 2.582 PPD slightly exceed UTSA's .488 and 2.533.
- Most likely loss: UTSA wins by six or more, with home field and its .133 offensive EPA/play over Navy's .101.
ProphetX CFB Lines- Partial coverage: both are FBS American Conference teams; Navy has five and UTSA six current-season advanced rows; same-day expected QBs Gutierrez and McCown are cross-checked to recent passing leaders.
- Efficiency gap is modest at roughly 0.024 EPA/play toward UTSA after cross-matching offense and defense; Navy's 2.58 PPD versus UTSA's 2.53 and +5.5 key-number protection support a close margin.
- Most likely loss: UTSA's home advantage and more efficient passing produce a margin of six or more.
- UTSA Roadrunners to win+41%Won
Taken at −245 on DraftKings

2 modelsD1 Winner, Picks With Pink Grading SystemWhy 2 models like it
D1 Winner- UTSA leads Navy in current FPI total efficiency, 55.2 to 39.2, and SP+/SRS both rate the Roadrunners higher.
- UTSA’s six-game offense averages 0.133 EPA/play versus Navy’s 0.101; UTSA also allows less defensive EPA, 0.084 versus 0.100.
- Navy’s explosive-play rate is higher, 0.125 versus UTSA’s 0.113, and its option style can compress possessions and margins.
Picks With Pink Grading System- UTSA is 5-1 this season and 4-1 in its last five; Navy is 2-3 this season.
- UTSA last-10 offense: +0.201 EPA/play and 50.5% success rate, versus Navy +0.092 and 49.1%.
- Pinnacle moved UTSA from -252 to -238, a market move against this position.
- UTSA Roadrunners spread −7−100%Lost
Taken at 47¢ on ProphetX

2 modelsResting Money, ProphetX PairsWhy 2 models like it
Resting Money- Book levels are tied, 3 to 3; the thin-at-quote and deep-behind-it measures agree, with both raw stakes comfortably above a few hundred dollars.
- Directional check: backing UTSA, which is the side read as thin-at-quote/deep-behind-it, leg matches.
- Book levels do not corroborate the read: 3 versus 3, so only two of three measures agree.
ProphetX Pairs- only 2026 EPA/play: UTSA offense +0.090 versus Navy +0.029; success rates are nearly identical (.476/.475).
- Navy’s FBS defense allows +0.081 EPA/play versus UTSA’s +0.096, while Navy leads explosive rate .122 to .106.
- UTSA’s 5-1 form, home field, and 20.44-second FBS pace can create separation against Navy’s slower 29.82-second profile.
- Game total under 53−100%Lost
Taken at 47¢ on ProphetX

2 modelsProphetX Pairs, Saturday Board PairsWhy 2 models like it
ProphetX Pairs- only 2026 scoring averages imply 51.85 combined points: Navy 23.25 and UTSA 28.60; SHARP REFERENCE: Pinnacle 54.5, context only.
- Navy’s 29.82-second FBS pace and -10.1% PROE indicate a slower, run-heavy scoring profile against UTSA’s 20.44-second pace.
- UTSA averages 28.60 FBS points and allows 27.80; its fast pace can create enough possessions to clear 53.
Saturday Board Pairs- Six-game window: Navy averages 0.0954 EPA/play and .4975 success; UTSA averages 0.1331 EPA/play and .4883 success, a modest combined efficiency profile.
- Possession shape favors the under: Navy runs 29.69 seconds/play and current Navy PROE is strongly negative; UTSA's six-game pace is 21.62 seconds/play.
- Most likely loss: UTSA's offense repeats its 31-point South Florida or 59-point Colorado State output and pushes the game above 53.
- Over 54.5 total+104%Won
Taken at 49¢ on Kalshi
Saturday BoardDown 15% last 7 daysWhy it likes it
- Load-bearing factor is roughly 21-22 adjusted possessions, current points-per-drive of 2.58 Navy plus 2.53 UTSA, and explosive rates of 12.5% and 11.3%; convergence favors the Over.
- Most likely loss: Navy's option offense reproduces its 9-point Air Force or 20-point UAB scoring profile and the game stays below 55.
- UTSA Roadrunners over 31.5 team points+122%Won
Taken at 45¢ on Polymarket US
Saturday Scoring EnvironmentDown 77% last 7 daysWhy it likes it
- EPA delta +0.0334/play: UTSA offense +0.1331 minus Navy defensive EPA allowed +0.0997.
- UTSA's red-zone TD rate is 10/19 (.526); Navy allowed 8/12 (.667), clearing the over trigger on the defensive side.
- Confirmers agree: UTSA success .4883 versus Navy opponents .4735, explosive rate .1132 versus .0769, and PROE +.0953 with a 48.4% pass rate.
- UTSA's own red-zone rate is only .526, so the over depends on Navy's defensive finishing weakness persisting.
Show all 15 picks
- UTSA Roadrunners −5.5−100%Lost
Taken at −110 on DraftKings
CFB HunterV2Up 0% last 7 daysWhy it likes it
- ESPN pregame model gives UTSA 74.1% to win with an 8.95-point projected margin; the line is only -5.5.
- UTSA's 2026 FPI rating is -1.28 versus Navy's -6.12, with total-efficiency ratings of 55.2 versus 39.2.
- UTSA is 5-1 entering this home game; Navy is 2-3, and both expected starting quarterbacks were identified without reported availability concerns.
- Navy's recent offense grades better in EPA/play (0.1013 versus UTSA's 0.0899) and success rate (49.3% versus 47.6%).
- Game total over 52.5+79%Won
Taken at 56¢ on ProphetX
Key Number CFBUp 13% last 7 daysWhy it likes it
- UTSA averages 31.3 points and +0.1331 offensive EPA/play; Navy averages 27.0 points and +0.1013 EPA/play.
- UTSA's 21.62-second pace adds possession potential; Navy's option offense still posts a 49.3% success rate and 0.125 explosive-play rate.
- ProphetX offers 52.5 while sportsbook references center 54.5; the empirical histogram shows dense exact totals at 54 (210) and 55 (426).
- Most likely loss: the game finishes at 52 or fewer after Navy's 29.22-second pace suppresses possessions.
- UTSA Roadrunners spread −6−100%Lost
Taken at 53¢ on ProphetX
Key Number CFBUp 13% last 7 daysWhy it likes it
- Sharp sportsbook reference centers UTSA -6.5, so ProphetX supplies the preferable six rather than a worse alternate.
- UTSA’s six-game offense is +0.133 EPA/play at 21.62 seconds per play; Navy is +0.101 EPA/play at 29.22 seconds per play.
- QB gate: latest box data leads with Owen McCown and Jackson Gutierrez; current official UTSA and Navy previews provide live quarterback checks with no reported QB battle or absence.
- Most likely loss: UTSA wins by 1, 5, or Navy wins outright; margin six pushes rather than wins.
- Game total over 54.5+100%Won
Taken at 50¢ on ProphetX
Tempo BoardDown 18% last 7 daysWhy it likes it
- Both defenses allow positive EPA/play: Navy +0.0997 and UTSA +0.0837 in the current sample.
- The venue ladder is coherent: over 53 is -117, over 54 is -105, and same-event team-total anchors sum to 54.
- Most likely loss: Navy’s 29.22-second pace creates too few possessions and its offense stalls below 20 points.
- UTSA Roadrunners first-half spread YES 10.5−100%Lost
Taken at 27¢ on Kalshi
Early CoverUp 1% last 7 daysWhy it likes it
- UTSA’s full-game -6.5 scales to a +3.25 first-half mean; 2026 team rates do not contradict the anchor.
- 3,483 regular-season FBS finals produce SD_full 22.10; square-root scaling gives σ_1H 15.62, not 11.05.
- PROJECTION + INTERNAL COHERENCE; college margin mass peaks at 3, 7, 10, and 17, putting 10.5 just beyond 10.
- No independent first-half sharp quote exists; this is a derived same-rung reference and therefore capped at LEAN.
- Navy Midshipmen spread +6.5+95%Won
Taken at −105 on DraftKings
Kickoff LedgerDown 24% last 7 daysWhy it likes it
- Season EPA is close: UTSA offense +0.133/play versus Navy +0.101; defensive allowance favors UTSA only modestly, +0.084 versus +0.100.
- Navy's 29.2-second pace versus UTSA's 21.6 seconds limits possessions and reduces the favorite's margin opportunities.
- Jackson Gutierrez and Owen McCown are the reported starters; no quarterback downgrade is embedded in this lean.
- UTSA has the rest edge: nine days since Oct. 8 versus Navy's seven since Oct. 10, plus home field.
- Game first-half total over 27.5 points+96%Won
Taken at 51¢ on Kalshi
Two QuartersDown 1% last 7 daysWhy it likes it
- Season window: Navy 67.6 plays at 29.22 seconds/play; UTSA 70.33 at 21.615; blended pace is 25.42 seconds/play.
- First-half TD/FG ledger gives 2.61 points/drive versus 2.56 overall; the specific uplift is 1.3%, not a flat prior.
- The derived reference is only 28.0, just 0.5 points above 27.5; this is LEAN, not RECOMMENDED.
- Navy Midshipmen spread +6+108%Won
Taken at 48¢ on ProphetX
Long Way HomeDown 5% last 7 daysWhy it likes it
- Navy averages 29.22 seconds per play, while UTSA averages 21.62; the slower, option-heavy profile compresses possessions and margin variance.
- Navy's 2026 average is 27.0 points scored and 23.4 allowed across five games; UTSA's 31.3/25.8 profile does not justify treating six points as a routine blowout cushion.
- Most likely loss: UTSA's home passing offense creates explosive scores before Navy can control the tempo, producing a two-score margin.
- Navy Midshipmen to win−100%Lost
Taken at 34¢ on ProphetX
Long Way HomeDown 5% last 7 daysWhy it likes it
- Navy's latest offense posted +0.2005 EPA/play and 58.1% success against a UTSA defense at +0.2228 EPA/play allowed.
- Navy's option attack passed on only 8.6% of plays and averaged 28.53 seconds per play, limiting possessions and separation variance.
- UTSA's 4-1 recent form is priced into the favorite; the matchup-specific Navy efficiency and pace support a 37% upset estimate versus 33.78¢ graded price.
- Most likely loss: UTSA's latest +0.3153 offensive EPA/play overwhelms Navy's defense, which allowed +0.1523 EPA/play in that game.
Questions
Who won Navy vs. UTSA?
The UTSA won 38–34 on Saturday, Oct 17, 2026.