Here is the Pickwatch BetSmart Preview for the Indiana Hoosiers vs. Miami Hurricans game in the National Championship of the 2025-26 College Football Playoffs.

Miami Hurricanes vs. Indiana Buckeyes Game Info

Date: Monday, January 19, 2026
Time: 7:45 PM ET
Location: Hard Rock Stadium — Miami Gardens, Florida
TV: ESPN

Miami vs. Indiana Betting Odds

Point Spread
- Miami +8.5
- Indiana -8.5
Moneyline
- Miami +285
- Indiana -340
Total
- Over/Under 47.5

Season Betting Records

Moneyline
- Miami: 13-2
- Indiana: 15-0
Against the Spread
- Miami: 10-5
- Indiana: 10-5
Totals (Over-Under)
- Miami: 6-9
- Indiana: 8-7

No. 10 Miami Hurricanes (13-2) vs. No. 1 Indiana Buckeyes (15-0) Preview

Miami gets the “home-state” venue, but Indiana has been the steadier, more physical team all season and enters as the clear favorite on the market. The Hoosiers have dominated in the College Football Playoffs, with victories of 35 (Alabama) and 34 (Oregon). The Hurricanes have had some tougher battles, including their most recent win over Ole Miss, which went down to the wire.

In Miami Gardens, conditions look clean (clear skies and mild temps), so the passing and kicking environments shouldn’t be the excuse—this game is likely decided by protection, third downs, and finishing drives.

With a spread north of a TD, the game script question matters—if Indiana controls early downs and keeps Miami behind the sticks, that points toward Indiana covering and the Under being live. If Miami hits explosives early (or special teams creates a short field), the Over 47.5 can get there fast because this number is built on efficiency, not chaos.

Injury Report

Indiana: K Brendan Franke is questionable; Stephen Daley, Kellan Wyatt, Lee Beebe Jr., Bryson Bonds, Jah Jah Boyd, Amariyun Knighten, and Andrew Depaepe are listed OUT.
Miami: DB Xavier Lucas is OUT for the First Half (targeting ejection carryover); DB Damari Brown is Questionable; TE Elija Lofton is OUT.

BetSmart Betting Rundown

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NOTE: All available bets are as of time of publication. Odds and lines change often, so be sure to check each subsequent Pickwatch betting tool for the latest numbers.

Arbitrage

Our Arbitrage Betting Tool is currently not identifying any arbitrage betting opportunities for guaranteed profit, but this can change several times daily, as odds change often. Be sure to check back throughout the day, or sign up for our BetSmart Notifications.

Middles

Our Middle Betting Tool is currently identifying 1 middle betting opportunity.

Positive EV

Our Positive EV Betting Tool is currently identifying 2 different positive expected value wagers, and provided data on the expected value percentrage, and how often the bet has hit in the last 5, 10 and 15 games.

Miami vs. Indiana: Expert Picks

Visit our Expert Picks page to view picks and data from experts to see where the consensus is on the Miami vs. Indiana moneyline, point spread and total points.