When do games go over, and when is the cover settled?

Pick a season and week, then choose when the game went over to see those games. FBS games from the past four seasons with quarter scores and a closing line.

When did they go over?

13 games · 2025 · Army · pick one to list those games
38% went over. Of the 5 overs, 0% had cashed by halftime and 20% by the end of the 3rd quarter. Covers were settled only in the 4th quarter or overtime in 31% of games.

All 13 games

2025 · Army · newest first
GameLineTotalPoints by quarterOverCover settledFinal
2025 · Postseason
ARMY -7.5 41.5 14243757 Q4 ARMY Q3 16–41
2025 · Week 16
NAVY -6 37.5 7202633 U ARMY Q2 16–17
2025 · Week 14
UTSA -8.5 50.5 7273051 Q4 ARMY Q1
Late over Lead lost
27–24
2025 · Week 13
ARMY -9.5 43.5 14363951 Q4 TLSA Q4
Late cover flip Late over Lead lost
26–25
2025 · Week 11
ARMY -7.5 45.5 0172727 U TEM Q1 13–14
2025 · Week 10
ARMY -1.5 48.5 10132037 U ARMY Q4 20–17
2025 · Week 8
TULN -10.5 44.5 062041 U ARMY Q1
Lead lost
17–24
2025 · Week 7
ARMY -17.5 44.5 7172431 U CLT Q4
Late cover flip
7–24
2025 · Week 6
ARMY -6.5 55.5 0172444 U ARMY Q3 31–13
2025 · Week 5
ECU -3.5 52.5 21212734 U ECU Q1 6–28
2025 · Week 4
UNT -2.5 50.5 2842527683 Q3 UNT OT 45–38
2025 · Week 2
KSU -16.5 48.5 3203545 U ARMY Q1
Lead lost
24–21
TAR @ ARMY
2025 · Week 1
ARMY -14.5 47.5 1027414857 Q4 TAR Q1 30–27

When was the cover settled?

From the end of that quarter on, the side covering never changed
Q1 46% 6
Q2 8% 1
Q3 15% 2
Q4 23% 3
OT 8% 1
The team leading at halftime won 58% and covered 67% of 12 games
The team leading after 3 quarters won 64% and covered 55% of 11 games

Going into the 4th quarter

Points the game still needed after 3 quarters, and how often it got there
Points neededGamesWent over
Already over1100% 1
4–73100% 3
11–1420% 0
18–21333% 1
22+40% 0
Quarter scores from ESPN for the past four seasons; closing lines from the ESPN odds feed. Timing is to the quarter: an over that cashed with 10 seconds left in the 3rd counts as Q3. “Settled” means the team covering at the end of that quarter covered the closing spread at the end, with no change in between. Last 5 minutes (4th quarter, plus overtime) compares the score with 5:00 left, from ESPN scoring plays, with the final. History, not a prediction: none of this has shown an edge against the market.