Memphis has won the last four games versus Navy by a healthy margin and with the no option rules and changes, Navy will have a rough time keeping up with Memphis, despite their win last week against an FCS school. This is a step up in talent for Navy.

Navy are 1-5 SU in their last 6 games against Memphis. Navy are 2-5 SU in their last 7 games played in September. Memphis are 5-1 ATS in their last 6 games. Memphis are 4-1 ATS in their last 5 games played in week 3. Memphis are 4-1 ATS in their last 5 games played on a Thursday. Memphis is 2-0 against the spread versus Navy over the last 3 seasons and 1-0 against the spread versus Navy when at home in the last three seasons.

Best bet: lay the points with Memphis.