Skip to content
GARY A.I.Get the app
NCAAF · Sat, Sep 26 · 12:00 PM

San Diego State Aztecs at Toledo Rockets

O/U 50.5 · SPREAD Toledo Rockets -2.5

GARY'S PICK
Toledo Moneyline
NCAAFvs San Diego State· -146

Toledo
Moneyline

-146 · CASHED · SDSU 16 · TOL 41

San Diego State

The pick & result

Published pick
Toledo Rockets ML -146
Published odds
-146
Result
Won
Final score
16-41

Odds are the American price printed with this pick, not a current offer. Wins, losses and pushes remain on the public record; a missing grade is not a win.

The line

BETMGM · 50 moves
MarketOpened
Sep 20 3:42 PM
Close
Sep 26 11:34 AM
Move
SPREADToledo Rockets -2 (-110)Toledo Rockets -2.5 (-112)+½
TOTAL49.5 (-108)50.5 (-110)+1
MONEYLINEToledo Rockets -125Toledo Rockets -140−15
Every move, in order ›
WhenSpreadTotalMoneyline
OPENSep 20 3:42 PMToledo Rockets -2 (-110)49.5 (-108)Toledo Rockets -125 · San Diego State Aztecs +105
Sep 20 4:43 PMToledo Rockets -2.5 (-110)49.5 (-105)Toledo Rockets -130 · San Diego State Aztecs +105
Sep 20 5:43 PMToledo Rockets -2.5 (-110)48.5 (-110)Toledo Rockets -130 · San Diego State Aztecs +105
Sep 20 7:44 PMToledo Rockets -2.5 (-110)48.5 (-112)Toledo Rockets -135 · San Diego State Aztecs +110
Sep 20 8:44 PMToledo Rockets -2.5 (-112)48.5 (-110)Toledo Rockets -135 · San Diego State Aztecs +115
Sep 21 6:00 AMToledo Rockets -2.5 (-112)48.5 (-110)Toledo Rockets -140 · San Diego State Aztecs +115
Sep 21 12:01 PMToledo Rockets -2.5 (-112)48.5 (-112)Toledo Rockets -140 · San Diego State Aztecs +115
Sep 21 1:02 PMToledo Rockets -3 (-110)50.5 (-112)Toledo Rockets -145 · San Diego State Aztecs +125
Sep 21 2:02 PMToledo Rockets -3 (-110)50.5 (-112)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 21 3:02 PMToledo Rockets -3 (-108)50.5 (-112)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 21 7:04 PMToledo Rockets -3 (-108)50.5 (-118)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 22 8:30 AMToledo Rockets -3 (-105)50.5 (-118)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 22 9:31 AMToledo Rockets -3 (-108)50.5 (-118)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 22 10:32 AMToledo Rockets -3 (-108)51.5 (-118)Toledo Rockets -145 · San Diego State Aztecs +125
Sep 22 11:32 AMToledo Rockets -3 (-108)51.5 (-112)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 22 12:33 PMToledo Rockets -3 (-108)52.5 (+100)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 22 1:17 PMToledo Rockets -3 (-108)51.5 (-112)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 22 5:26 PMToledo Rockets -3 (-108)51.5 (-112)Toledo Rockets -145 · San Diego State Aztecs +125
Sep 23 11:04 AMToledo Rockets -3 (-110)51.5 (-115)Toledo Rockets -145 · San Diego State Aztecs +125
Sep 23 12:04 PMToledo Rockets -3 (-108)51.5 (-112)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 23 2:05 PMToledo Rockets -3 (-110)52.5 (-105)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 23 3:05 PMToledo Rockets -3 (-110)52.5 (-105)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 23 5:06 PMToledo Rockets -3 (-108)51.5 (-115)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 23 6:06 PMToledo Rockets -3 (-108)51.5 (-112)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 24 6:00 AMToledo Rockets -3 (-108)51.5 (-112)Toledo Rockets -145 · San Diego State Aztecs +125
Sep 24 9:31 AMToledo Rockets -3 (-108)51.5 (-115)Toledo Rockets -145 · San Diego State Aztecs +125
Sep 24 12:52 PMToledo Rockets -3 (-105)51.5 (-112)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 24 2:54 PMToledo Rockets -3 (+100)51.5 (-110)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 24 3:54 PMToledo Rockets -3 (-102)51.5 (-108)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 24 9:56 PMToledo Rockets -3 (-102)51.5 (-110)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 25 5:01 AMToledo Rockets -3 (-105)51.5 (-110)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 25 6:00 AMToledo Rockets -3 (-102)51.5 (-110)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 25 7:31 AMToledo Rockets -3 (-105)51.5 (-110)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 25 8:01 AMToledo Rockets -3 (-102)51.5 (-110)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 25 8:31 AMToledo Rockets -3 (-105)51.5 (-110)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 25 12:01 PMToledo Rockets -3 (-102)51.5 (-110)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 25 12:31 PMToledo Rockets -3 (-102)51.5 (-110)Toledo Rockets -150 · San Diego State Aztecs +125
Sep 25 3:33 PMToledo Rockets -3 (-102)51.5 (-108)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 25 4:31 PMToledo Rockets -3 (-105)51.5 (-108)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 5:00 AMToledo Rockets -3 (-108)51.5 (+100)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 8:00 AMToledo Rockets -3 (-105)51.5 (-102)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 8:31 AMToledo Rockets -3 (-105)51.5 (-102)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 9:00 AMToledo Rockets -3 (-105)51.5 (-102)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 9:11 AMToledo Rockets -3 (-105)50.5 (-112)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 9:43 AMToledo Rockets -3 (-105)49.5 (-120)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 9:53 AMToledo Rockets -3 (-105)49.5 (-112)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 10:23 AMToledo Rockets -3 (-105)49.5 (-120)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 10:34 AMToledo Rockets -3 (-105)50.5 (-110)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 10:54 AMToledo Rockets -3 (-105)49.5 (-120)Toledo Rockets -145 · San Diego State Aztecs +120
Sep 26 11:04 AMToledo Rockets -2.5 (-115)50.5 (-110)Toledo Rockets -145 · San Diego State Aztecs +120
CLOSESep 26 11:34 AMToledo Rockets -2.5 (-112)50.5 (-110)Toledo Rockets -140 · San Diego State Aztecs +115

The read

Noon kickoff at the Glass Bowl. Toledo comes home a week after rallying past Temple 49-48 in overtime. San Diego State flies across the country trying to avoid a third straight loss before its Pac-12 opener.

The quarterback gap is where this starts. John Alan Richter is averaging 8.98 yards per attempt with 9 touchdowns and 1 interception. Jayden Denegal sits at 5.84 yards per attempt with 4 touchdowns and 4 interceptions. At UCLA he finished 6 of 17 for 45 yards, and the Aztecs were held scoreless in the first half of both losses.

That offense ranks 130th of 138 on standard downs. It walks into a Toledo defense that allows a 33.2% success rate, 27th nationally, with a 19.3% stuff rate up front. When San Diego State falls behind the chains, it has little to lean on, because its offense ranks 126th in explosiveness. Toledo's one real defensive leak is the big play, 94th in explosiveness allowed, and this is the offense least equipped to exploit it.

On the other side, the Aztec front stuffs only 10.5% of runs. Toledo rotates backs, with Connor Walendzak averaging 7.1 yards a carry alongside CJ Miller. San Diego State is excellent at limiting explosive plays, 4th nationally, so Toledo's big plays through Adjatay Dabbs and company may be muted. A defense allowing a 43.5% success rate still gives up the efficient gains Toledo needs to sustain drives. Once Toledo reaches scoring range, it converts 5.000 points per scoring opportunity, 20th, against San Diego State's 3.632, 91st.

San Diego State has a real path. Javion Kinnard ran 33 times for 181 yards against James Madison, the Aztecs rate higher on SP+, and they own the special teams edge. That run game, plus how close these teams grade overall, is why I'm taking the moneyline. Toledo has been loose closing out games, so a narrow Toledo win is live. At -146 I'm paying for the home team with the far more efficient quarterback, and a defense built to shut down what San Diego State does, to win the game. I'd rather do that than pay -122 for extra margin.

Injuries noted

San Diego State Aztecs: Lucky Sutton (questionable) — Running back sat out vs. James Madison with a lower-body injury; head coach Sean Lewis said as of this week Sutton would rehab and 'hopefully' be able to play vs. Toledo, with no final update given, so availability remains uncertain for this game.; Jordan Napier (questionable) — Wide receiver described in current-week reporting as not having been healthy; specific designation/severity not detailed.

The research

The dated measurements the app shows under this card — observations with their sample and source, not predictions.

QUARTERBACK

  • Jayden Denegal is SDSU's confirmed starter

    5.84 Y/A

    Jayden Denegal is SDSU's confirmed starting quarterback. Yahoo Sports/SI report dated Sept. 25, 2026 states Denegal continues as SDSU's starter, struggling with consistency (4 TD, 4 INT through three games) after another two-interception game vs. James Madison. 2026 line: 391 passing yards, 53.7% completions, 5.84 yards per attempt, 4-4 TD-INT over 3 games.

  • John Alan Richter is TOL's confirmed starter

    8.98 Y/A

    John Alan Richter is TOL's confirmed starting quarterback. Sept. 25, 2026 Yahoo/SI report and Sept. 23, 2026 official Toledo athletics preview identify junior Richter as Toledo's starter, coming off a career-high 36-of-completions, 429-yard, 4-TD performance in a comeback win. 2026 line: 853 passing yards, 65.3% completions, 8.98 yards per attempt, 9-1 TD-INT over 3 games.

TRENCHES

  • SDSU: 191 rushing yards per game to TOL's 146.3

    44.7 YPG

    San Diego State runs for 191 a game through three games, close to its 198.7 last season, so the ground game is who they are. Toledo's 146.3 is down from 177.2 last season, which suggests Toledo's run game should pick back up. San Diego State wants to lean on the run on the road, and how Toledo's defense holds up at the line decides whether that plan controls the game.

PACE & SCRIPT

  • TOL: 44 points per game to SDSU's 25.3

    18.7 PPG

    TOL is scoring 44 a game over three games against 30.8 last season, while SDSU at 25.3 is almost exactly last year's 26.4. SDSU's offense looks steady; TOL's is running well above its baseline. Expect TOL to come down some, which matters most for anyone pricing this game off its three-game scoring pace.

TURNOVERS

  • SDSU: 1.67 takeaways per game to TOL's 0.67

    1 TO

    San Diego State has forced 1.67 turnovers a game over 3 games, and Toledo has forced 0.67. Turnover rates swing wildly over small samples, and three games is a small sample. Expect both numbers to drift closer together, so don't lean on this one gap for a side.

MISMATCH

  • TOL: 304.7 pass yards a game to SDSU's 137

    304.7 VS 137

    Toledo is throwing for 304.7 yards a game over 3 games, up from 238.1 last season. San Diego State sits at 137, below the 157.7 it managed a year ago. San Diego State's low number matches its history, so it looks real, while Toledo's jump is a three-game sample likely to cool some. At home Toledo can play from the pass, and San Diego State has to win by running clock and keeping Toledo's passing game on the sideline.

COVERAGE

  • TOL: 159 passing yards allowed per game to SDSU's 225.7

    66.7 YPG

    Toledo is allowing 159 passing yards a game and San Diego State 225.7, each over three games. The 66.7-yard gap favors Toledo, though three games can hide easy opponents and none are listed here. San Diego State's secondary is the one giving up yards, which matters for how Toledo's offense should fare at home.

SITUATIONAL

  • TOL: 304.7 team passing yards per game to SDSU's 137

    167.7 YPG

    TOL is passing for 304.7 a game over three games, up from 238.1 last season, and SDSU sits at 137, below last year's 157.7. SDSU has long been a low-volume passing team, so its number is close to form, while TOL's jump is the one likely to cool. The style contrast is real: TOL wants to throw, SDSU wants a slower game, and whoever sets the pace shapes the total.

  • TOL: 50% third-down conversion rate to SDSU's 36.6%

    13.4 PP

    SDSU is at 36.6% third-down conversion rate over 3 games; TOL is at 50% over 3 games. Those are this season's games through Sep 25. Last season SDSU was at 31.4% over 13 games and TOL at 40.2% over 13 games.

All research from this day

About this analysis

Who made it
Gary AI, an AI sports-analysis product operated by Gary A.I. LLC. No human reviewer is claimed unless one is explicitly named.
Published data
Daily picks first stored September 26, 2026 at 8:07 AM ET.
Odds record
The pick receipt shows the price printed in the published ticket. The matchup market and line ladder provide separate market context. Stored sportsbook sources: fanduel, betrivers, draftkings, betmgm.
Accountability
Read the editorial standards, source policy, and corrections process.

Props on this game

1
  • GARY'S PICK
    CONNOR WALENDZAKANYTIME TOUCHDOWN OVER 0.5
    NCAAFToledo· -175

    Connor Walendzak
    Anytime Touchdown over 0.5

    -175 · CASHED · ACTUAL 1

    Toledo

    If Toledo is going to beat San Diego State, the Rockets will most likely do it by grinding out drives rather than hitting big plays. The Aztecs rank 4th nationally at limiting explosive plays, so I don't expect Adjatay Dabbs to get behind them much. Their weakness is the front. San Diego State stuffs only 10.5% of runs and allows a 43.5% success rate, which means backs can keep picking up four to seven yards and pushing the ball into scoring range.

    Connor Walendzak is the back I want when those drives finish. Through three games he has 171 rushing yards on 24 carries, 7.1 yards a pop, with 3 rushing touchdowns. He has also caught 5 passes for 2 more scores. That's 5 touchdowns on 29 touches, and he scores both on the ground and as a receiver near the goal line. CJ Miller shares the carries, but Miller is at 4.3 yards a carry, and Walendzak has been the more productive and more versatile of the two.

    Toledo turns scoring opportunities into 5.0 points per trip, 20th nationally. San Diego State allows 3.6 per trip, 91st. I have the Rockets winning at home, and in a game where Toledo moves the ball methodically and finishes in the red zone, Walendzak is the most likely player to score. At -175 I'm paying real juice, and a split backfield is the risk. Still, I would take the back with two ways to score over the receiver running into a defense built to take away big plays.

Every prop from this day is on the archive page.

Every pick posts before the game and is graded after, in public. My Book on this website lets you tail or fade listed calls and keeps your record separately labeled; Gary is also available as a native iOS app.

Get Gary on the App Store

Every NCAAF game this dayThe NCAAF recordToday's NCAAF picksEvery sport this day