Week 7 · Sun, 1:00 PM EDT · Fox
Tampa Bay Buccaneers at Carolina Panthers
Bank of America Stadium, Charlotte, NC
Market line for comparison: CAR -3.5 · O/U 44.5 (Draft Kings). The model never sees this.
Rating inputs
Each starting rating is a weighted blend of five real football inputs, not just wins and losses. Every term below is measured from the 2025 season.
Tampa Bay Buccaneers
| Input | Rating | Weight | Contribution |
|---|---|---|---|
Elo from results 8-9 in 2025, opponent-adjusted | 1452 | 80% | 1161.3 |
Scoring strength 380–411 points (-31.0 differential) → 45.4% expected win rate | 1468 | 5% | 73.4 |
Late-season form same replay with the closing 6 weeks counted double | 1424 | 15% | 213.5 |
Offense / defense split 22.4 PPG scored, 24.2 allowed → offense 1484, defense 1471 | 1454 | 0% | 0.0 |
| Blended 2025 rating | 1448.3 | ||
Offseason regression 25% back toward the 1500 league mean | 1461.2 | ||
Roster / QB adjustment No offseason adjustment applied. | 0.0 | ||
| TB 2026 starting rating | 1461 | ||
Carolina Panthers
| Input | Rating | Weight | Contribution |
|---|---|---|---|
Elo from results 8-9 in 2025, opponent-adjusted | 1453 | 80% | 1162.6 |
Scoring strength 311–380 points (-69.0 differential) → 38.4% expected win rate | 1418 | 5% | 70.9 |
Late-season form same replay with the closing 6 weeks counted double | 1428 | 15% | 214.2 |
Offense / defense split 18.3 PPG scored, 22.4 allowed → offense 1382, defense 1517 | 1399 | 0% | 0.0 |
| Blended 2025 rating | 1447.7 | ||
Offseason regression 25% back toward the 1500 league mean | 1460.8 | ||
Roster / QB adjustment No offseason adjustment applied. | 0.0 | ||
| CAR 2026 starting rating | 1461 | ||
The calculation
Every term the model applies, in order, from both teams' starting ratings to the number on the card.
Win probability
1 / (1 + 10−(117.2 / 400))
66.3% CAR
Model spread
117.2 ÷ 25, rounded to the nearest half point
CAR -4.5
Confidence band
Injury adjustment
Report pulled 2026-10-27 13:20 UTCRatings describe a team over a whole season. Who is actually available on Sunday is a separate question, so the injury adjustment is applied last, after home field and rest. Each listed player costs a share of a point of spread based on his position, whether he starts, and how likely he is to play.
Before injuries
66.5%
CAR by 5.0
Injury term
−1.8 Elo
−0.1 pts of spread, home perspective
After injuries
66.2%
CAR by 4.5 · moved 0.2 pts of probability
Tampa Bay Buccaneers
−0.2 pts
- Christian Rozeboom LBOut−0.10
- Emeka Egbuka WRQuestionable−0.03
- Antoine Winfield Jr. SQuestionable−0.03
- Luke Goedeke OTQuestionable−0.03
Carolina Panthers
−0.3 pts
- Jaelan Phillips LBOut−0.10
- Taylor Moton OTOut−0.10
- Damien Lewis GQuestionable−0.03
- Bobby Brown III DTQuestionable−0.03
Statuses come straight from the league injury report: out and injured reserve count in full, doubtful three quarters, questionable roughly a third, probable a tenth. Starters are identified from the depth chart; anyone the model cannot place is treated as a backup.
Move the factors yourself
Every term feeds one number: the adjusted Elo difference. Drag any of them and watch the spread and confidence follow.
Drag to see how much a stronger or weaker host changes the call.
The two ratings only matter through their difference.
The tuned value is a flat 25 points for every host.
5 Elo per extra day of rest, capped at 25 either way.
A manual thumb on the scale, in the home team's direction.
Win probability
66.5% CAR
Model value
Model spread
CAR -5.0
Elo diff +118.9 · Confident
Probability curve
The logistic curve from −600 to +600 Elo, home perspective. The dot is your current setting; the faint vertical line is where the model itself sits. Notice the curve is flattest at the extremes — near a coin flip, every point of Elo moves the number most.
Where the ratings came from
Each rating is the end state of a full 2025 season of Elo updates, regressed toward the league mean for the new season.
- 2025 final rating
- 1451.7
- Regress 25% toward 1500
- +9.5
- 2026 starting rating
- 1461.2
2025 Elo trail
Biggest swings
- L 9–24 at DET−37.6
- W 23–3 at NO+34.0
- W 30–19 vs SF+32.8
- 2025 final rating
- 1453.3
- Regress 25% toward 1500
- +7.5
- 2026 starting rating
- 1460.8
2025 Elo trail
Biggest swings
- W 30–0 vs ATL+55.8
- L 9–40 vs BUF−55.2
- L 13–42 at NE−49.9
Matchup factors
Everything beyond the two base ratings that moved this specific number.
Home field
+25.0 pts
worth 3.3 points of win probability
CAR hosts at Bank of America Stadium. Every host gets the same flat 25 points — the model does not rate crowds individually.
2025 head to head
- Week 16: CAR won 23–20 (CAR at home)
- Week 18: TB won 16–14 (CAR on the road)
Strength of schedule
Who each team actually played in 2025, measured by their opponents' current ratings. This is context for reading the ratings — it is not an input to the prediction above, because beating good teams already raises a team's Elo more.
1511
average opponent rating · 5th toughest of 32
- vs above-average teams
- 5-6
- vs below-average teams
- 3-3
1507
average opponent rating · 9th toughest of 32
- vs above-average teams
- 3-7
- vs below-average teams
- 5-2
What the model does not know
- · How an injury actually plays out — the adjustment above prices availability, not how well a replacement performs.
- · Coaching and roster turnover between seasons.
- · Weather, travel distance and short-week fatigue beyond raw rest days.
- · Anything a betting market has priced in since the season ended.