HNL · Saturday, 1 August 2026. Final score 2–3 (half-time 1–2). Rebuilt from the season as it stood that morning, our rating would have been 45% for over 2.5 goals. This match is older than our frozen ratings ledger, which keeps 30 days, so that figure is a reconstruction from pre-match data rather than a number we published at the time — a distinction worth making, because only the frozen ones prove what we actually said beforehand.
Open this match in the app →| Market | Yes | No | Our call |
|---|---|---|---|
| Over 2.5 goals | 45% | 55% | Under |
| Over 3.5 goals | 21% | 79% | no pick |
| Both teams to score | 50% | 50% | No |
The result model puts Istra 1961 at 39%, the draw at 29% and NK Lokomotiva Zagreb at 32%, from expected goals of 1.2 and 1.06.
The league sets the starting point. HNL has produced over 2.5 goals in 49% of its matches, and that is where a team with no record of its own would sit.
Each side's own record. Istra 1961 have 0 in 0 this season, NK Lokomotiva Zagreb 0 in 0. Those records are pulled toward the league rate with the weight of about 24 matches — enough that two or three unusual games cannot swing a rating — giving 49% and 49%.
Last season still counts, briefly. With 0 and 0 games played this season, last season's rates are still blended in and fade out entirely by game 40 — the point at which our testing showed they stop adding accuracy. A single season is part luck, so each club's record is first pulled toward the league average by 34 games' weight. That moves the two figures to 49% and 45%.
The mix. Weighted 40% home side, 40% away side and 20% league — the split that beat every alternative across 30,582 matches of testing — that gives 48%.
Head to head. These sides have met 11 times in three years, producing over 2.5 goals in 55%. That nudges the number 5% of the way toward the head-to-head pattern — deliberately small, because fixtures change more than reputations do — landing on 48%.
Goal expectation. Separately a Poisson model built from attack and defence strength — using real expected-goals data where the league has it — puts this match at 39%, from expected goals of 1.2 for Istra 1961 and 1.06 for NK Lokomotiva Zagreb. Folding in 30% of that view gives 45%.
Season opener. One of these sides has not played a league game yet. Openers run about 2.5 points under their league's norm, measured across 2,727 of them, so the rating is docked to 43%.
Calibration. Tested against 97,729 past matches, our ratings below 55% have run consistently too pessimistic — a figure in the high 30s, for instance, has come in about four points higher. So ratings in that range are lifted part-way back, giving 45%.
This breakdown is generated from the same inputs the rating uses, so it cannot describe a calculation we did not perform. The full model is set out in the methodology.
| Team | Games | O2.5 | O3.5 | BTTS |
|---|---|---|---|---|
| Istra 1961 | 0 | — | — | — |
| NK Lokomotiva Zagreb | 0 | — | — | — |
More: Istra 1961 season stats · NK Lokomotiva Zagreb season stats · HNL table and form. Ratings are calibrated probabilities, not tips — a 60% call is expected to miss two times in five.