The Charlotte 49ers take on the Georgia Bulldogs in Athens, Georgia. Kickoff is set for 12:45 p.m. EST on SEC Network.
Georgia is favored by 43.5 points on the spread. The total is set at 53.5 points.
Here’s my Charlotte vs. Georgia prediction and college football picks for Saturday, November 22, 2025.
Charlotte vs Georgia Prediction
- Charlotte vs. Georgia Pick: Charlotte +44 or Better
My Georgia vs. Charlotte best bet is on the 49ers to cover. Find the best line available on our live NCAAF odds page.
Charlotte vs Georgia Odds
| Charlotte Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
+43.5 -110 | 53.5 -110o / -110u | +5000 |
| Georgia Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
-43.5 -110 | 53.5 -110o / -110u | |
- Charlotte vs Georgia point spread: Georgia -43.5 (-110), Charlotte +43.5 (-110)
- Charlotte vs Georgia over/under: 53.5 (-110o / -110u)
Charlotte vs Georgia Pick
If Georgia wants to win this game by 55-plus, it will.
Charlotte is horrendous and routinely gets run off the field by American Conference teams. I'm not here to say anything positive about the 49ers, who are not only bad but also beat up.
However, Kirby Smart has historically just not cared about these games. He usually works on refining specific details and keeping guys healthy, while keeping things very vanilla.
I remember a few years ago, against Kent State, Georgia (which won by 17 as 45-point favorites) kept running the same mesh route over and over against drop-eight coverage because I assume Smart wasn't happy with how his offense had been executing that play in game action.
Additionally, once the Dawgs get a big lead, they usually just go into coast mode and kill the game.
It's also possible that Georgia comes out a bit flat for a sleepy early kick time following a huge win over Texas to essentially lock up a CFP berth. Plus, the Bulldogs have a short week before an in-state showdown with Georgia Tech, followed by a potential SEC Championship Game before the playoffs.
It just doesn't make much sense to go all out here and risk key injuries.
Ultimately, I'm banking on Smart approaching the lowly 49ers the way he has all previous doormats. It has treated me well in the past, including last year against UMass in an identical late November spot.
However, if that makes you uncomfortable, I totally understand and would pass on the game. The talent gap in this matchup will be laughable.
I won't pretend to point to anything Charlotte does well on a football field because I don't like lying.
At least Georgia doesn't generate elite pressure, so maybe Charlotte can luck into a few explosive passing plays — although I'm not banking on many points in what hopefully plays out as a 42-3 type of game that completely dies late.
For what it's worth, Smart-led teams are 0-15 ATS as favorites of 38 points or more.
Pick: Charlotte +44 or Better
