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Charlotte 49ers
0-1 · #238 Elo
at
Sat, Oct 17, 12:00 AM ET
Lincoln Financial Field
Temple Owls
1-0 · #100 Elo
Spread —Total —Moneyline —
The read
On rating alone Temple Owls are 18.7 points better (#100 vs #238 of 240), and TEM add 0.0 for home field. The clearest mismatch is the third down & red zone: TEM third-down conversion ranks #91, CLT defends it at #115; the other way CLT #111 into TEM's #72.
Who has the edge
Rating
Clear edge
TEM
TEM rated 18.7 points better on Elo (#100 vs #238).
Home & rest
Even
—
TEM gets 0.0 points for home field.
Passing game
Clear edge
TEM
TEM passing ranks #36, CLT defends it at #111; the other way CLT #117 into TEM's #122.
context · not in the margin
Rushing game
Slight edge
TEM
TEM rushing ranks #82, CLT defends it at #128; the other way CLT #135 into TEM's #127.
context · not in the margin
Third down & red zone
Clear edge
TEM
TEM third-down conversion ranks #91, CLT defends it at #115; the other way CLT #111 into TEM's #72.
context · not in the margin
Form (last 5)
Clear edge
TEM
TEM +24.0 per game over the last five, CLT −2.0.
context · not in the margin
Market
not priced
—
No line yet.
context · not in the margin
The margin, factor by factor
Charlotte 49ersTemple Owls
1123 Elo · #238
RatingThe Elo gap in points — the model's core read on who is better, before the situational pieces below.
TEM +18.7 pts
1460 Elo · #100
road
Home field
not priced
home
—
Rest
even
—
−5.8 pts vs TEM D
Offense vs defenseEach offense's scoring rating against the other defense's — what drives the model total. Shown as an edge, though the winner call runs on Elo.
TEM +10.1 pts
+4.2 pts vs CLT D
L · −2.0
Form (last 5)Average margin over the last five games. Already inside the ratings — listed so you can see when recent form and the rating disagree.
TEM +13.0 pts
W · +24.0
−26.7
SP+ (last season)Bill Connelly's SP+ from last season, the prior the college model starts each season from.
TEM +21.6 pts
−5.1
—
MarketThe consensus spread, read as points. Compare with the model margin above it.
not priced
—
Bars are in points toward the favored side. Blue factors are inside the model's margin; grey ones are context it does not add on top (form and offense/defense are already in the ratings; injuries beyond the quarterback are not priced).
Dissect the matchup
CollegeFootballData, garbage time excluded · 2025 season (last season until three games are in)Biggest mismatches
- ▸CLT pass explosiveness (#10) against a TEM defense ranked #113 at stopping it
- ▸TEM points / scoring opportunity (#13) against a CLT defense ranked #114 at stopping it
- ▸TEM standard-down ppa (#25) against a CLT defense ranked #124 at stopping it
- ▸TEM pass success rate (#37) against a CLT defense ranked #134 at stopping it
- ▸CLT defense (#19 rush explosiveness allowed) against a TEM offense ranked #116
A mismatch is a rank gap of at least a fifth of the league between an offense and the defense it faces on the same measure. Descriptive rows (pass rate, pace, direction) are shown for reading the game, not ranked. ▲▼ mark where the last three games sit clearly above or below the season number, in the direction that helps that side.
Charlotte 49ers offense vs Temple Owls defense
ranks of 135| CLT off | TEM def | Edge | |
|---|---|---|---|
| Identity | |||
| Pass rate / Pass rate faced | 54% | 42% | · |
| Standard-down shareShare of plays on standard downs (staying ahead of the chains). | 65% | 72% | · |
| Plays / game | 52 | 54 | · |
| Possession / game | 28:07 | 29:52 | · |
| Passing | |||
| Passing PPA / playPredicted points added per pass play (CFBD). | +0.13#117 | +0.39#122 | · |
| Pass success rate | 35%#122 | 43%#88 | TEM |
| Pass explosivenessPPA on successful pass plays — how big the wins are. | 1.75#10 | 1.68#113 | CLT |
| Yards / pass attempt | 6.5#107 | 7.7#110 | · |
| Completion % | 59%#95 | 61%#60 | TEM |
| Interception rate / Interceptions forced | 1.8%#41 | 0.6%#134 | CLT |
| Rushing | |||
| Rushing PPA / play | −0.15#135 | +0.22#127 | · |
| Rush success rate | 34%#133 | 49%#129 | · |
| Rush explosiveness | 0.66#135 | 0.97#74 | TEM |
| Line yards / rushYards credited to the offensive line (first 4 yards weighted). Defense column: allowed. | 2.13#134 | 3.37#132 | · |
| Stuff rate / Stuff rate forcedRushes stopped at or behind the line. | 24%#126 | 14%#130 | · |
| Power successConversion rate on 3rd/4th and ≤2, or goal-to-go from the 2. | 61%#124 | 74%#89 | TEM |
| Yards / rush | 2.7#133 | 5.0#121 | · |
| Situational | |||
| Standard-down PPA | −0.09#134 | +0.23#127 | · |
| Passing-down PPAObvious passing situations (2nd & 8+, 3rd/4th & 5+). | +0.12#128 | +0.42#117 | · |
| Third-down conversion | 35%#111 | 40%#72 | TEM |
| Points / scoring opportunityPoints per drive that reaches the opponent's 40. | 2.73#130 | 4.77#135 | · |
| Havoc rate faced / Havoc rateTFLs, forced fumbles, interceptions and passes defensed per play. | 18.5%#120 | 14.6%#95 | · |
| Turnovers / game / Takeaways / game | 1.92#128 | 1.25#72 | TEM |
Temple Owls offense vs Charlotte 49ers defense
ranks of 135| TEM off | CLT def | Edge | |
|---|---|---|---|
| Identity | |||
| Pass rate / Pass rate faced | 49% | 47% | · |
| Standard-down shareShare of plays on standard downs (staying ahead of the chains). | 69% | 76% | · |
| Plays / game | 51 | 64 | · |
| Possession / game | 30:08 | 31:53 | · |
| Passing | |||
| Passing PPA / playPredicted points added per pass play (CFBD). | +0.35#36 | +0.34#111 | TEM |
| Pass success rate | 45%#37 | 53%#134 | TEM |
| Pass explosivenessPPA on successful pass plays — how big the wins are. | 1.52#86 | 1.34#4 | CLT |
| Yards / pass attempt | 6.8#89 | 8.1#117 | TEM |
| Completion % | 62%#70 | 68%#130 | TEM |
| Interception rate / Interceptions forced | 2.0%#50 | 3.2%#33 | · |
| Rushing | |||
| Rushing PPA / play | +0.09#82 | +0.22#128 | TEM |
| Rush success rate | 44%#60 | 55%#135 | TEM |
| Rush explosiveness | 0.86#116 | 0.86#19 | CLT |
| Line yards / rushYards credited to the offensive line (first 4 yards weighted). Defense column: allowed. | 2.80#96 | 3.33#129 | TEM |
| Stuff rate / Stuff rate forcedRushes stopped at or behind the line. | 20%#86 | 14%#131 | TEM |
| Power successConversion rate on 3rd/4th and ≤2, or goal-to-go from the 2. | 60%#129 | 81%#123 | · |
| Yards / rush | 4.5#64 | 5.0#119 | TEM |
| Situational | |||
| Standard-down PPA | +0.20#25 | +0.21#124 | TEM |
| Passing-down PPAObvious passing situations (2nd & 8+, 3rd/4th & 5+). | +0.20#106 | +0.42#119 | · |
| Third-down conversion | 38%#91 | 44%#115 | · |
| Points / scoring opportunityPoints per drive that reaches the opponent's 40. | 4.58#13 | 4.16#114 | TEM |
| Havoc rate faced / Havoc rateTFLs, forced fumbles, interceptions and passes defensed per play. | 14.4%#53 | 10.6%#133 | TEM |
| Turnovers / game / Takeaways / game | 0.33#2 | 1.25#68 | TEM |
Season
| CLT | TEM | |
|---|---|---|
| 0-1 | Record | 1-0 |
| 41.0 | Points for / game | 38.0 |
| 43.0 | Points against / game | 14.0 |
| 0-1 / 0-0 | Home / road | 1-0 / 0-0 |
| 0-1 | Against the spread | 1-0 |
| 1-0 | Over / underOvers–unders in this team's games. A tendency, not a lean. | 1-0 |
| L | Last 5 | W |
Power ratings
| CLT | TEM | |
|---|---|---|
| 1123 | Elo | 1460 |
| #238 of 240 | Rank | #100 of 240 |
| −5.0 | Offense ratingPoints per game above league average scored, opponent-adjusted. | +0.1 |
| −4.2 | Defense ratingPoints per game below league average allowed, opponent-adjusted. Positive is good. | +0.8 |
| 1468 | Strength of scheduleMean Elo of opponents faced this season. | 1398 |
Elo drives the winner call. Offense/defense ratings drive the total.
Advanced
| CLT | TEM | |
|---|---|---|
| −24.1 | SP+ (this season)Bill Connelly's SP+ rating, points above average. | −9.1 |
| -0.014 | Offense PPA / playPredicted points added per play, garbage time excluded (CFBD). | 0.203 |
| 0.264 | Defense PPA / playPPA allowed per play — lower is better. | 0.283 |
| 34% / 54% | Success rate (off / def) | 44% / 46% |
| 1.28 / 1.09 | Explosiveness (off / def) | 1.18 / 1.26 |
| 577 | Talent composite247Sports team talent composite for the current roster. | 631 |
| 41% | Returning production | 37% |
Advanced stats are from 2025 until this season has about three games. Source: CollegeFootballData.
Head to head
| 2025 | TEM 49 at CLT 14 | TEM · TEM covered |
How the margin was built
- Rating gap
- TEM +18.7 pts
- Home field
- TEM +— pts
- Rest
- Even
- Weather / roof
- — pts on the total
- Model margin
- —
- Model total
- —
Market
- Spread
- —
- Total
- —
- Moneyline
- —
Per-book prices appear once the multi-book feed has this game (about a week out).
Informational only. Winner probabilities are backtested and calibrated; spread and total calls are tracked leans. 21+, 1-800-GAMBLER.