| Savvy Index | 2025 | ||||
| predictions | bowl week | 2 | seldom | ||
| 12/21/25 | |||||
| last week: 46 – 21 season: 656 – 218 | wins | losses | game values | notes | |
| 5 | Oregon | 12 | 1 | 21 | Oregon is kinda hot. |
| 2 | Texas Tech | 12 | 1 | 32 | The Red Raiders are VERY hot. |
| Washington St. | 6 | 6 | 31 | Experts favor | |
| Utah St. | 6 | 6 | 23 | Utah State. | |
| Georgia So. | 6 | 6 | 31 | ||
| App State | 5 | 7 | 28 | ||
| Connecticut | 9 | 3 | 31 | Oddsmakers favor Army | |
| Army | 6 | 6 | 20 | by a whopping 8.5! | |
| Georgia Tech | 9 | 3 | 21 | ||
| 13 | BYU | 11 | 2 | 31 | |
| Penn St. | 6 | 6 | 21 | ||
| Clemson | 7 | 5 | 29 | ||
| Arizona St. | 8 | 4 | 21 | ||
| Duke | 8 | 5 | 30 | ||
| Pittsburgh | 8 | 4 | 29 | ||
| E Carolina | 8 | 4 | 25 | ||
| Miami Oh | 7 | 6 | 24 | Savvy disagrees with | |
| Fresno St. | 8 | 4 | 21 | Vegas favoring FSU by 6. | |
| 7 | Mississippi | 12 | 1 | 24 | |
| 4 | Georgia | 12 | 1 | 30 | |
| California | 7 | 5 | 27 | ||
| Hawai’i | 8 | 4 | 28 | ||
| LSU | 7 | 5 | 24 | ||
| Houston | 9 | 3 | 25 | ||
| Tennessee | 8 | 4 | 34 | ||
| Illinois | 8 | 4 | 23 | ||
| 10 | Alabama | 11 | 3 | 20 | |
| 1 | Indiana | 13 | 0 | 31 | |
| Toledo | 8 | 4 | 24 | ||
| Louisville | 8 | 4 | 27 | ||
| Coastal Car | 6 | 6 | 21 | ||
| LA Tech | 7 | 5 | 35 | ||
| New Mexico | 9 | 3 | 22 | ||
| Minnesota | 7 | 5 | 24 | ||
| Wake Forest | 8 | 4 | 32 | ||
| Mississippi St. | 5 | 7 | 21 | ||
| 23 | Virginia | 10 | 3 | 24 | |
| Missouri | 8 | 4 | 27 | ||
| C Michigan | 7 | 5 | 21 | ||
| Northwestern | 6 | 6 | 27 | ||
| UNLV | 10 | 3 | 32 | Ohio’s coaching change last week | |
| Ohio | 8 | 4 | 24 | is going to be a problem. | |
| 8 | Miami Fl | 11 | 2 | 21 | |
| 3 | Ohio St. | 12 | 1 | 28 | |
| N Texas | 11 | 2 | 28 | ||
| 24 | San Diego St. | 9 | 3 | 27 | |
| 15 | Arizona | 9 | 3 | 32 | |
| SMU | 8 | 4 | 21 | ||
| W Kentucky | 8 | 4 | 34 | ||
| S Miss | 7 | 5 | 21 | ||
| 19 | USC | 9 | 3 | 33 | |
| TCU | 8 | 4 | 24 | ||
| 20 | Michigan | 9 | 3 | 21 | |
| 11 | Texas | 9 | 3 | 30 | |
| Rice | 5 | 7 | 24 | ||
| Texas St. | 6 | 6 | 36 | ||
| Nebraska | 7 | 5 | 14 | ||
| 12 | Utah | 10 | 2 | 37 | |
| Florida Intl. | 7 | 5 | 27 | ||
| UTSA | 6 | 6 | 31 | ||
| 21 | Iowa | 8 | 4 | 21 | |
| 9 | Vanderbilt | 10 | 2 | 28 |
| Savvy Index vs the betting lines | 2025 regular season |
| Predicting winners: | 1% less than betting lines |
| Point spreads: | 42 games better |
| Total game points: | 25 games better |
Savvy Game Line 