The Navy Midshipmen take on the Tulsa Golden Hurricane in Tulsa, Oklahoma. Kickoff is set for 8 p.m. ET on ESPN+.
Navy is favored by 14 points on the spread with a moneyline of -600. The total is set at 52.5 points.
Here’s my Navy vs. Tulsa prediction and college football picks for Saturday, September 13, 2025.
Navy vs Tulsa Prediction
- Navy vs. Tulsa Pick: Tulsa +14 Or Better
My Tulsa vs. Navy best bet is on PICK. Find the best line available on our live NCAAF odds page.
Navy vs Tulsa Odds
| Navy Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
-14 -110 | 52.5 -110o / -110u | -600 |
| Tulsa Odds | ||
|---|---|---|
| Spread | Total | Moneyline |
+14 -110 | 52.5 -110o / -110u | +425 |
- Navy vs Tulsa point spread: Navy -14
- Navy vs Tulsa over/under: 52.5 points
- Navy vs Tulsa moneyline: Navy -600, Tulsa +425
Navy vs Tulsa Pick, Betting Analysis
I'm heading back to the well and fading Navy for a second straight week as a favorite of at least two touchdowns.
You know that potential fade will always pique my interest, as evidenced by my articles and podcasts over the years.
Navy still has some issues along the offensive line and on the back end of its defense after losing some real talent at both position groups.
I came into the season higher than the market on Tulsa after really liking the hire of head coach Tre Lamb, who is a massive upgrade over Kevin Wilson.
It was a disappointing effort last weekend in Las Cruces in a game the market liked the Golden Hurricane. Quarterback Kirk Francis ended up having a disastrous outing before being replaced in the second half (concussion) by Baylor Hayes, who I thought looked very good.
The freshman signal caller finished an impressive 14-for-17 passing for 135 yards and has some wheels that give him a higher upside in this offense.
Tulsa won't decide on a starting quarterback until later this week, but part of me hopes it is Hayes.
Regardless, I'm OK with buying low on Tulsa at two touchdowns or more after everybody else abandoned ship.
I expect a spirited effort from Tulsa in front of a good crowd that has some newfound enthusiasm for the program under Lamb in his conference opener.
For what it's worth, as 14-plus point favorites against FBS competition, the three service academies (Army, Navy, Air Force) have gone 30-46 (39.5%) ATS since 2005.
Navy itself has gone 7-18 ATS (28%) in that scenario.
Pick: Tulsa +14 Or Better
