The 2026 College Football Playoff National Championship Game pits the No. 1-ranked Indiana Hoosiers against the No. 10 Miami Hurricanes.
Indiana enters as nearly double-digit favorites, aiming to cap off a perfect season. Standing in their way are the Hurricanes, who have won seven straight.
My Miami vs. Indiana predictions explain why there will be a “Belt to Ass” moment in this Natty — just not the way Michael Irvin is hoping.
Find out more in my college football picks for Monday, January 19.
Who will win the National Championship Game?
Indiana.
This is the best team in the country, has been for a while. The only thing holding some back from realizing this is the logo on the helmet. Their tenacious style will overwhelm Miami over the course of the game, forcing some key mistakes as the Hoosiers win the national championship.
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Miami vs Indiana prediction
Miami vs Indiana Best bet: Indiana -8.5 (-105)
The Miami Hurricanes are on a hell of a run, but it will be the Indiana Hoosiers who will end their Championship dreams.
Indiana has absolutely whooped its opponents in the playoffs, led by Heisman Trophy QB Fernando Mendoza and an offense that doesn't make mistakes.
The same can’t be said for Miami. Carson Beck has been prone to picks, and the Hurricanes rank 113th in the country in penalties per game.
Indiana will force Miami into mistakes and generally overwhelm them, winning the National Championship with ease.
Miami vs Indiana same-game parlay
The National Championship will feature plenty of talented playmakers, but the most underrated may be Indiana wideout Elijah Sarratt.
While Sarratt wasn’t as highly touted as some of the other stars in this game, his impact is undeniable.
He’s hauled in 47 catches for 638 yards and an eye-popping 12 touchdowns over his last nine games — averaging 70.9 yards and scoring in each contest. A prop of 56.5+ yards and a touchdown makes perfect sense in the Natty.
Miami vs Indiana SGP
- Indiana -8.5
- Elijah Sarratt Over 56.5 receiving yards
- Elijah Sarratt anytime touchdown
Our deep-ball SGP: Natty Fireworks
- Charlie Becker has been massive down the stretch, boasting 457 receiving yards and three touchdowns over the last six games.
- Malachi Toney is Miami's most electric playmaker, and if someone can bust a big one for "The U", it's their star wideout.
- Miami has trusted backup running back Charmar Brown in the red zone lately, with the sophomore scoring four times in the last five games.
Miami vs Indiana SGP
- Elijah Sarratt anytime touchdown
- Charlie Becker anytime touchdown
- Malachi Toney anytime touchdown
- CharMar Brown anytime touchdown
Miami vs Indiana odds
- Spread: Miami +8.5 (-110) | Indiana -8.5
- Moneyline: Miami +280 | Indiana -350
- Over/Under: Over 47.5 | Under 47.5
Miami vs Indiana betting trend to know
Indiana has covered the spread in 10 of its last 14 games (+5.60 Units / 36% ROI). Find more college football betting trends for Miami vs Indiana.
How to watch Miami vs Indiana
| Location | Hard Rock Stadium, Miami Gardens, FL |
| Date | Monday, January 19, 2026 |
| Kickoff | 7:30 p.m. ET |
| TV | ESPN |
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Odds are correct at the time of publishing and are subject to change.
Not intended for use in MA.
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