Navy Midshipmen vs Charlotte 49ers prediction, odds and picks, November 28, 2026
Navy at Charlotte: Bandwagon's model makes Navy an 80% favorite (Navy −13.5).
Navy Midshipmen vs Charlotte 49ers odds and win probability
Axle gives Navy a 80% chance to win, by about 13 points.
Bandwagon Axle 2.0 · Updated
Bandwagon's model, not a sportsbook line. We do not take wagers.
Hop on a side before kickoff
Pick a side, then say why in a take. Change it any time before kickoff. Counts in the weekly pick'em.
Why Axle has Navy
All CFB ratings| NAVY | CLT | |
|---|---|---|
| Rating | 1482 75th of 138 | 1236 134th of 138 |
| Last 5 games | 2-3 | 1-4 |
| Streak | W1 | L2 |
| Home field | No | Yes |
| Meetings won | 2 | 0 |
Blue marks the better side of each row. This line uses ratings from results and home advantage; last 5 results, streak and meetings are context only, not inputs.
How Axle's line has moved
Every stored line
| Stored | CLT win | Move |
|---|---|---|
| Nov 10, 11:52 PM ET | 20% | 0 |
| Nov 10, 11:52 PM ET | 20% | 0 |
| Nov 10, 10:43 PM ET | 20% | 0 |
| Nov 10, 5:03 AM ET | 20% | 0 |
| Nov 9, 5:04 AM ET | 20% | — |
Navy Midshipmen vs Charlotte 49ers prediction
Bandwagon's model makes the Midshipmen a 13.5-point favorite, with a 80% chance to win. The model total is 56. Ratings: 49ers 1236 (134th of 138), Midshipmen 1482 (75th). The 49ers have won 1 of their last 5; the Midshipmen 2 of their last 5. The two have met 2 times in Bandwagon's results history; the 49ers won 0, the Midshipmen 2.
Written from the numbers on this page by a template; nothing here is an opinion.
Form, head-to-head and injuries
Recent form
Navy Midshipmen
| Opponent | Kick (ET) | Result | Picks | Axle | |
|---|---|---|---|---|---|
| vs Temple Owls | W 42–35 | – | – | matchup | |
| vs Notre Dame Fighting Irish | L 13–35 | – | – | matchup | |
| vs North Texas Mean Green | L 39–49 | – | – | matchup | |
| at UTSA Roadrunners | L 34–38 | – | – | matchup | |
| vs Tulsa Golden Hurricane | W 34–26 | – | – | matchup |
Charlotte 49ers
| Opponent | Kick (ET) | Result | Picks | Axle | |
|---|---|---|---|---|---|
| at UAB Blazers | L 12–23 | – | – | matchup | |
| vs Tulane Green Wave | L 31–38 | – | – | matchup | |
| at Temple Owls | W 38–31 | – | – | matchup | |
| at North Texas Mean Green | L 10–50 | – | – | matchup | |
| vs Memphis Tigers | L 8–59 | – | – | matchup |
Head-to-head
| Game | Kick (ET) | Result | Picks | Axle | |
|---|---|---|---|---|---|
| Charlotte 49ers at Navy Midshipmen | 17–51 | – | – | matchup | |
| Navy Midshipmen at Charlotte 49ers | 14–0 | – | – | matchup |
Injuries
Navy Midshipmen: nobody listed as injured by the roster source
Charlotte 49ers: nobody listed as injured by the roster source
From the roster source's status flag only; no depth chart or game-time status.
Standings and ratings
All ratings- Midshipmen– 11th · W1
- Midshipmen rating1482 75th of 138, 8 games
- 49ers– 13th · L2
- 49ers rating1236 134th of 138, 8 games
More CFB games in the next 7 days
The bandwagon on each team
NCAA Division I FBS football · 11th · streak W1
No stances yet today on $NAVY: the share of the crowd ▲ on the Navy Midshipmen bandwagon, fans and neutrals counted apart.
NCAA Division I FBS football · 13th · streak L2
No stances yet today on $CLT: the share of the crowd ▲ on the Charlotte 49ers bandwagon, fans and neutrals counted apart.
Takes on Navy Midshipmen at Charlotte 49ers
Sign in to post a take on $NAVYCLT261128: ▲ on the bandwagon or ▼ off it, and why.
No takes on this game yet. Yours goes first.
How Axle makes this line
How this line is made
In NCAA Division I FBS football a line is made from the ratings and home advantage alone: a calibration layer using the other inputs did not beat rating-only out of sample here. Travel and time zones did not improve the line here; injuries and weather are collected but not yet measured.
Internal
- Ratings from results usedan Elo-style rating per team from every final score, with margin of victory · Bandwagon's stored results
- Home advantage usedthe league's home edge, none at a neutral site · Bandwagon's model constants, checked against results
- Schedule in the data, not usedrest days, back-to-back games and three games in four days · Bandwagon's stored fixtures
- Recent form in the data, not usedaverage margin over each side's last games this season · Bandwagon's stored results
External
- Injuries unavailable for this game · More than three days to kickoff; lists are used inside that windowplayers listed out or doubtful, weighted by their share of the team's playing time · Public injury lists and box scores
- Travel and time zones unavailable for this game · A previous venue or its coordinates is not storeddistance and time-zone change from each side's last game to the venue · Wikidata venue coordinates, Open-Meteo time zones
- Weather unavailable for this game · No forecast stored before kickoffforecast wind, rain and temperature around kickoff at open-air venues · Open-Meteo forecasts
Prediction markets and the crowd's split are shown beside the model's lines for comparison. They are not inputs. Method and record.