HNL · Saturday, 12 September 2026. Final score 4–2 (half-time 2–0). Rebuilt from the season as it stood that morning, our rating would have been 49% 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 | 49% | 51% | Under |
| Over 3.5 goals | 28% | 72% | no pick |
| Both teams to score | 50% | 50% | No |
The result model puts NK Osijek at 18%, the draw at 26% and Dinamo Zagreb at 56%, from expected goals of 0.78 and 1.59.
The league sets the starting point. HNL has produced over 2.5 goals in 50% of its matches, and that is where a team with no record of its own would sit.
Each side's own record. NK Osijek have 4 in 6 this season (1 of 2 at home), Dinamo Zagreb 3 in 5 (1 of 1 away). 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 53% and 52%.
Last season still counts, briefly. With 6 and 5 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 42% and 59%.
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 50%.
Head to head. These sides have met 11 times in three years, producing over 2.5 goals in 64%. 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 51%.
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 42%, from expected goals of 0.78 for NK Osijek and 1.59 for Dinamo Zagreb. Folding in 30% of that view gives 48%.
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 49%.
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 |
|---|---|---|---|---|
| NK Osijek | 6 | 67% | 50% | 33% |
| Dinamo Zagreb | 5 | 60% | 60% | 40% |
More: NK Osijek season stats · Dinamo Zagreb season stats · HNL table and form. Ratings are calibrated probabilities, not tips — a 60% call is expected to miss two times in five.