Memphis · away
at
MEM -20.5
Saturday 2026-10-03 15:30 · Jerry Richardson Stadium
Charlotte · home
GameNewsMismatchesTeamPersonnelBetting
Line has moved -1.0 since we first saw it (MEM -21.5 to MEM -20.5).

Betting

Spread
MEM favoured
Market MEM −20.5Ours MEM −13.9
CLT favoured
gap 6.6 toward CLT
Grey dot: the market · gold: our card line · small dot: FEI (bcftoys.com). A gap is a reason to look, not to bet.

Vegas

TeamSpreadPointsMoneylineWin%Kalshi
MEM away-20.536.5-145089.9%92%
CLT home+20.516.0+85010.1%9%
Total52.5
MEM -21.5 when first seen, now MEM -20.5 · total 54.5 then, 52.5 now. Over -108 / under -112 · DraftKings, 2026-10-02 05:30 UTC.

Our model — cards

TeamSpreadPointsWin%vs book
MEM away-14.033.282.1%+6.5
CLT home+14.019.317.9%-6.5
Totalno total model

FEI — bcftoys.com

TeamSpreadPointsWin%vs book
MEM away-18.034.589.1%+2.5
CLT home+18.016.710.9%-2.5
Total51.2-1.3
"Points" is the implied score for each side: a spread and a total are the margin and the sum, so solving them back out says what each team is expected to score. A favourite is shown negative, the way a book quotes it. "vs book" is that model's line for the team minus the book's, so a plus means the model makes them the weaker side. Our cards are EA College Football 27 launch ratings rolled up; the gap between two teams is multiplied by a scale fitted on this season's results (real margins have run about 1.8 times the raw gap), plus 2.5 points of home field; the win chance comes from how far 7,877 FBS results landed from a line. FEI is Brian Fremeau's projection, shown as a reference only: measured on his own results pages it went 49.9% against the spread over 3,101 games (2022–25), and the pickers never see it. Neither model has shown it beats a closing line.

Team ratings

Points vs an average FBS teamMEMCLT
Offence (cards)-0.567th-6.3131st
Defence (cards)+0.749th-2.3130th
Card team rating+0.162nd-8.6131st
SP+ (CFBD's rating, theirs)+2.363rd-27.3137th
FEI (bcftoys.com, theirs)-0.064th-1.0132nd
F+ (FEI + SP+, theirs)+0.161st-1.8135th
Card lineCLT +13.9 (the gap ×1.87, fitted on 215 games, plus 2.5 home field)
Returning production6%41%

Cards are EA College Football 27's Week 3 Ratings (EA re-rates weekly; we take the newest) with CFBD's measured stats shown beside them; the team rating rolls EA's starters up with the NFL position weights, unmeasured for college. SP+ is opponent-adjusted; ours is not yet.

Quarterbacks

Marcus Stokes MEM77 ▲2 overall · Junior
Points added per play0.542
Completion71.4%
TD–INT9-3
Pass attempts, median game26
Pass yards, median game241
Rush yards, median game22
Games this season4
Team throws per game25.2
Cole Gonzales CLT72 ▼1 overall · Senior
Points added per play0.001
Completion64.6%
TD–INT3-6
Pass attempts, median game28
Pass yards, median game170
Rush yards, median game6
Games this season4
Team throws per game33.5
The starter comes from the maintained depth chart (cfbdepth.com). The rating is EA College Football 27's Week 3 Ratings (EA re-rates weekly; we take the newest); everything under it is what CFBD has measured this season, as a median game rather than a total so a man who missed time is not shrunk.

Against the number

TeamATSCover%vs spreadO/Uvs total
MEM away2-250%0.03-1+4.3
CLT home2-250%-4.01-3+2.8

Against DraftKings' closing number, this season. A record of what happened and nothing more — cover rates do not predict, which is why the pickers never see them.

Streak trends

TeamSplitStreak (4+), and what happened next in 8,097 games
CLTalllost 14 straight — next game covered 49.5% of the time (2595 cases)
CLTallgone under 6 straight — next game went over 52.6% of the time (1586 cases)
CLTunderdoglost 14 straight — next game covered 49.5% of the time (2595 cases)
CLTunderdoggone under 6 straight — next game went over 52.6% of the time (1586 cases)
CLTdaylost 13 straight — next game covered 49.5% of the time (2595 cases)
CLTdaygone under 5 straight — next game went over 50.8% of the time (3311 cases)
CLTdivisionlost 8 straight — next game covered 51.1% of the time (4270 cases)
CLThomefailed to cover 7 straight — next game covered 56.2% of the time (1276 cases)
CLThomelost 7 straight — next game covered 50.2% of the time (7379 cases)
CLThome underdogfailed to cover 7 straight — next game covered 56.2% of the time (1276 cases)
CLThome underdoglost 7 straight — next game covered 50.2% of the time (7379 cases)
CLThome divisionfailed to cover 4 straight — next game covered 52.7% of the time (6098 cases)
CLThome divisionlost 4 straight — next game covered 50.6% of the time (14163 cases)

Streak picker (spread): bets CLT — CLT has failed to cover 7 straight as home.

Streak picker (total): bets the over — CLT has gone under 6 straight as all.

Cover, win/loss and over/under streaks in every split (home, away, favourite, underdog, division, primetime, big favourite), counted against the closing line. Measured over every FBS season on file: cover and over/under streaks revert (fade 6+); college win/loss streaks tell you nothing against the spread (50%), so they are shown here but the picker ignores them. These never reach the pickers' bundle; the "streak" row on the picks board bets on its own.

Venue, weather, rest and travel

Built when the game's bundle is (Jerry Richardson Stadium).

Who is out (reported)

Nothing in the news for either side. College publishes no official injury report, so absence of news is not a clean bill of health.

Covers.com lists nobody for either side.