Temple vs Charlotte Prediction 10/18/2025 Today’s College Football Picks

In this article we will formulate a Temple vs Charlotte prediction for this College Football game on Saturday, October 18th at Jerry Richardson Stadium in Charlotte, North Carolina. Let’s take a look at the prediction for this week 8 matchup. 

Temple Owls Betting Preview

The Temple Owls are 3-3 (1-1) this year after they lost to Navy by a score of 32-31 last week. Temple led 17-7 at halftime and 31-24 in the fourth, but they allowed a touchdown and a two point conversion with 39 seconds left for the loss. The Owls out gained Navy by a total of 518-384, went 6-12 on third downs, and lost the turnover battle by a total of 1-0 in the game. Evan Simon went 25-36 for 345 yards and one touchdown, while Jay Ducker rushed 24 times for 97 yards and two scores. Kajiya Hollawayne led the receivers with nine receptions for 146 yards in the loss. The Temple defense recorded one sack and two tackles for loss in the game. 

Temple also has losses against Georgia Tech and Oklahoma, while picking up wins against UTSA, Howard, and UMass. The Owls have lost three of their last four games and they are currently tied for seventh in the American standings. Temple has scored 30.3 points per game with 209 passing yards and 172.0 rushing yards per game, while they have allowed 26.2 points against per game this season. Evan Simon has thrown for 1,149 yards, 13 touchdowns, and zero interceptions, while Jay Ducker has rushed for 446 yards and four scores on 90 carries this year. 

Charlotte 49ers Betting Preview

The Charlotte 49ers are 1-5 (0-3) this season after they lost to Army by a score of 24-7 in their last game. Charlotte allowed the first 24 points in the game, but did score a touchdown late in the fourth to avoid the shutout. The 49ers were out gained by a total of 354-178, went 5-14 on third downs, and tied the turnover battle at one in the game. Grayson Loftis went 8-12 for 68 yards and one touchdown, while Rod Gainey Jr rushed 19 times for 51 yards. Sean Brown led the receivers with four catches for 32 yards in the loss. The Charlotte defense recorded zero sacks and four tackles for loss in the game. 

Charlotte also has losses against South Florida, Rice, North Carolina, and Appalachian State, but did beat Monmouth for their lone win. The 49ers have lost three games in a row and they are currently last in the American standings. Charlotte has scored 19.7 points per game with 215.3 passing yards and 91.8 rushing yards per game, while they have allowed 32.5 points against per game this season. Conner Harrell is the starting quarterback, but he is injured, so we will see Loftis or Wilcke. E. Jai Mason has led the receivers with 21 receptions for 310 yards and four scores this season. 

Why the Temple Owls will win

Temple has won each of its last 11 games as a favorite against non-AP-ranked teams.
Charlotte has lost each of its last four October games against non-AP-ranked teams.
Temple has covered the spread in seven of its last eight games as a favorite against non-AP-ranked teams.
Charlotte has failed to cover the spread in seven of its last eight October games at Jerry Richardson Stadium.

Total Points Facts

Each of Temple’s last four road games against conference opponents have gone OVER the total points line.
Three of Charlotte’s last four games have gone OVER the total points line.

Matchup/League Facts

Charlotte ranks 134th among FBS teams for H1 points per game this season (4.8).
Charlotte ranks 134th among FBS teams for rushing yards allowed per game this season (224.0).
Temple ranks T121st among FBS teams for Q3 opponent points per game this season (8.2).
Temple ranks T16th among FBS teams for Q4 opponent points per game this season (3.5).

Temple vs Charlotte Prediction 

Charlotte comes into this matchup looking for their first FBS win of the season, but they haven’t been very competitive so far this year. The 49ers have struggled on defense, as they have allowed 24, 54, 28, and 35 points in their last four games. Temple has lost three of their last four games, but the three losses came against three very good teams and their offense has been fine. I think the Owls will continue to roll here and I like them to cover on the road. 

David Racey is 70-48 (59%) in College Football this season and is one of the top College Football Handicappers on the site. Click here for his premium plays for the week!