South Florida vs. Charlotte Prediction, Odds, Picks - October 3, 2025

Updated Oct. 3, 2025 3:04 p.m. ET

FOX Sports

Oddsmakers massively favor the South Florida Bulls (3-1) when they host the Charlotte 49ers (1-3) on Friday, October 3, 2025 in a matchup between AAC rivals at Raymond James Stadium. South Florida is favored by 28 points. The total is 55.5 points for this game.

Facing the South Carolina State Bulldogs in their last game, the Bulls won 63-14. Facing the Rice Owls in their most recent game, the 49ers lost 28-17.

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South Florida vs. Charlotte Game Information & Odds

When: Friday, October 3, 2025 at 7 p.m. ET
Location: Raymond James Stadium in Tampa, Florida
TV: ESPN2
Live Box Score on FOX Sports

South Florida vs Charlotte Betting Information updated as of October 3, 2025, 2:45 p.m. ET.
Favorite	Spread (Odds)	Favorite Moneyline	Underdog Moneyline	Total	Over Moneyline	Under Moneyline
South Florida	-28 (-110)	-5882	+1700	55.5	-107	-115

South Florida vs. Charlotte Prediction

Pick ATS: South Florida (-28)
Pick OU: Under (55.5)
Prediction: South Florida 51, Charlotte -10

Predictions are made by the Data Skrive betting model.

Learn more about the South Florida Bulls vs. the Charlotte 49ers game on FOX Sports!

South Florida vs. Charlotte Betting Insights

Based on the spread and over/under, the implied score for the game is Bulls 42, 49ers 14.
The Bulls have a 98.3% chance to win this meeting based on the moneyline's implied probability. The 49ers hold a 5.6% implied probability.
South Florida has put together a 3-1-0 record against the spread this season.
Charlotte has won one game against the spread this season.

South Florida vs. Charlotte: Head-to-Head

In their past two head-to-head bouts, South Florida has won against Charlotte two times.
The Bulls have a 2-0 record ATS in those games, while the two teams went over the point total both times.
In their last two head-to-head matchups, South Florida has compiled 107 points against Charlotte, while allowing only 38 points.

South Florida vs. Charlotte: 2025 Stats Comparison

	South Florida	Charlotte
Off. Points per Game (Rank)	31.8 (74)	18.3 (126)
Def. Points per Game (Rank)	21.5 (42)	29.3 (90)
Turnovers Allowed (Rank)	3 (19)	8 (114)
Turnovers Forced (Rank)	7 (34)	1 (132)

South Florida 2025 Key Players

Name	Position	Stats
Byrum Brown	QB	983 YDS (62.9%) / 6 TD / 2 INT 120 RUSH YDS / 2 RUSH TD / 30 RUSH YPG
Chas Nimrod	WR	14 REC / 367 YDS / 2 TD / 91.8 YPG
Keshaun Singleton	WR	13 REC / 235 YDS / 2 TD / 58.8 YPG
Samuel Franklin	RB	110 YDS / 2 TD / 27.5 YPG / 9.2 YPC
Mac Harris	LB	36 TKL / 3 TFL / 4 SACK / 1 INT
Jhalyn Shuler	LB	36 TKL / 2 TFL / 1 SACK
James Chenault	DB	15 TKL / 0 TFL / 2 INT / 2 PD
De'Shawn Rucker	DB	22 TKL / 0 TFL

Charlotte 2025 Key Players

Name	Position	Stats
Conner Harrell	QB	737 YDS (66.7%) / 4 TD / 2 INT 67 RUSH YDS / 2 RUSH TD / 16.8 RUSH YPG
E. Jai Mason	WR	20 REC / 308 YDS / 3 TD / 77 YPG
Javen Nicholas	WR	22 REC / 270 YDS / 1 TD / 67.5 YPG
Rod Gainey Jr.	RB	145 YDS / 1 TD / 36.3 YPG / 4.7 YPC
Reid Williford	LB	18 TKL / 2 TFL / 2 SACK
Ja'Qurious Conley	DB	18 TKL / 0 TFL
Shay Taylor	LB	24 TKL / 1 TFL / 0.5 SACK
Jamarrion Solomon	DL	17 TKL / 2 TFL