AGATHANo gut feelings

Memphis vs Charlotte Prediction

Saturday, Oct 3, 2026, 11:00 AM ET, Jerry Richardson Stadium, Charlotte, Week 5

Agatha Research Desk, Updated

AGATHA'S PICKMemphisAWAYMemphis

FINAL

5980

CharlotteHOMECharlotte
89%WIN CHANCEMemphis to WinWON#123 SEALED

Win chance at the seal 89%

Agatha's pick: Memphis to WinTHE VERDICT

Final score: Memphis 59, Charlotte 8

SEALED ODDS
-1099Betway
CLOSING ODDS
Same as sealedat the start
STAKE
1 unitflat, every pick
RESULT
WON +0.09uat the sealed price
GRADED
2:24 PM ETreceipt #123

Game Center

Team1234T
Memphis1410211459
Charlotte00808

Leaders

  • Cole Gonzales (CLT): 6/14, 73 YDS, 1 INT
  • Henry Rutledge (CLT): 6 CAR, 111 YDS, 1 TD
  • Derrick Eley (CLT): 1 REC, 36 YDS
  • Marcus Stokes (MEM): 20/25, 318 YDS, 5 TD
  • Jaylin Carter (MEM): 15 CAR, 76 YDS
  • Jermane Hayes (MEM): 6 REC, 123 YDS, 1 TD
Memphis

Tale of the tape

Charlotte

Memphis vs Charlotte recent form

Memphis 3-2 Memphis: last 5 games

  1. W45-21 Sep 19 UT Martin, 45-21
  2. L20-38 Sep 12 Boise State, 20-38
  3. W42-24 Sep 5 Arkansas State, 42-24
  4. W27-21 Aug 29 UNLV, 27-21
  5. L7-31 Dec 19, 2025 NC State, 7-31

Charlotte 0-5 Charlotte: last 5 games

  1. L7-34 Sep 26 Louisiana, 7-34
  2. L21-26 Sep 19 App State, 21-26
  3. L9-41 Sep 12 Ole Miss, 9-41
  4. L41-43 Sep 5 The Citadel, 41-43
  5. L0-27 Nov 29, 2025 Tulane, 0-27
Points scored, last 5Memphis 141Charlotte 78
Points allowed, last 5fewer is betterMemphis 135Charlotte 171

Memphis vs Charlotte head-to-head

Since Nov 11, 2023: Memphis 2, Charlotte 0

  1. Oct 26, 2024Memphis 33-28
  2. Nov 11, 2023Memphis 44-38

Memphis vs Charlotte line movement

MONEYLINE Memphis to win at Betway

Market (latest pregame line)

Spread (Charlotte)

+19

Total

52.5

Moneyline

Memphis
-1600
Charlotte
+860

Line movement, tracked by Agatha since first sighting (21 snapshots)

  • Moneyline (Charlotte) at FanDuel: opened +1160, now +860
  • Spread (Charlotte) at FanDuel: opened +22.5, now +18.5
  • Total at FanDuel: opened 55.5, now 51.5

Agatha's pick for Memphis vs Charlotte

Memphis. Agatha gave Memphis an 89% chance to win at Jerry Richardson Stadium, Charlotte. It was Agatha's prediction for this game, sealed and graded like every pick.

TV: ESPN+

Up next

  1. Thu, Nov 12, 8:00 PM ETMemphis vs South FloridaAgatha's call: Memphis to win, 64%
  2. Sat, Nov 14, 1:00 PM ETEast Carolina vs CharlotteAgatha's call: East Carolina to win, 84%
  3. LIVEBuffalo vs Ball StateAgatha's call: Buffalo to win, 69%
  4. LIVESacramento State vs Central MichiganAgatha's call: Central Michigan to win, 90%
  5. LIVEMassachusetts vs ToledoAgatha's call: Toledo to win, 93%