The Indiana Hoosiers are just one more win away from earning a Big Ten Championship, College Football Playoff Championship, and an undefeated season. They’re 15-0 and will battle the Miami Hurricanes in Miami for the Championship.
Miami has had a couple of losses this season. There was a time when Miami didn’t even look like it’d make the CFP field. But the Hurricanes got hot at the perfect time and have willed their way into the Championship game as a 10-seed.
Can Miami pull off a monumental upset on its home turf?
The betting lines have Indiana favored by 7.5 points. The total is stuck at 48.5. Is there value in this game? Let’s talk about the college football national championship odds below.
College Football Playoff Finals Odds At-a-glance
The Miami Hurricanes have earned wins over Texas A&M, Ohio State, and Ole Miss to reach the College Football Playoff. Ultimately, the gauntlet isn’t over. They’ll take on the consensus No. 1 team to close out the season.
On the other hand, Indiana is just destroying its opponents. The Hoosiers played one fewer game in the CFP, but added wins over Alabama and Oregon by a combined score of 94-25.
Remember: these wins were against other top 12 programs this season. That’s how well Indiana has played under head coach Curt Cignetti this season.
Do they have one more blowout in the cards for Monday’s CFP game?
Miami Hurricanes vs. Indiana Hoosiers (-7.5)
Monday, January 19, 2026 – 7:30 PM ET
The Indiana Hoosiers opened as a 7.5-point favorite with the total at 48.5. The line hasn’t shifted either way as of Monday, January 12. However, we’ve got another seven days before the game is played. Eventually, there will be some line movement, and it’ll probably favor Indiana.
It’s highly unlikely the number switches to 6.5 with the way Indiana has played up to this point.
Indiana has averaged more than ten points per game over Miami. The defense has also allowed nearly 3 fewer points per game.
Defensive Strengths and Quarterback Form
Both defenses have been phenomenal this year. In addition, both teams have veteran quarterbacks who are red-hot heading into this game.
That said, Miami has been inconsistent in the tackling department this year. Per PFF, the Hurricanes have missed a lot of tackles throughout the season. Ultimately, Miami has many playmakers who can make Miami miss. That will help prolong drives. Indiana has scored at least 38 points in three of their last four games.
Quarterback Experience and Efficiency
Beyond that, Carson Beck has experience in these big games. He already has a championship from his time at Georgia as a quarterback. But the reality is, he’s made more mistakes under center. Beck has thrown 11 interceptions to Mendoza’s six. Mendoza also has 12 more passing touchdowns compared to Beck this season, despite throwing about 80 fewer passes this season.
Indiana plays more complementary football. The team had drives of three or four plays that resulted in touchdowns, benefiting from great field position against Oregon. Look for that to continue against the Hurricanes.
Expert Pick: Indiana -7.5 (-115) at BetAnything
The Championship Is Here!
The college football season began in August. Many analysts and bettors made their predictions, but not many expected Indiana to be in this position. The Hoosiers had a great season last year, but many thought it was a first-year fluke. Cignetti and the Hoosiers are far from that.
If you’d like to place a bet on this game, check out the best odds using the BMR dashboard. If you want to win in the long term, your best chance is to find the best value on the board. That’s how the pros win!
Win Like The Pros!
Surf the odds screen and find discrepancies or odds that are better than the rest of the market. BetAnything is showing some good odds right now. They’re a reputable partner we suggest you try.
*The line and/or odds on picks in this article might have moved since the content was commissioned. For updated line movements, visit BMR’s free betting odds product.
