Miami is a 7.5-point underdog to Indiana in the late odds, less than 24 hours before the Hurricanes and Hoosiers play on Monday night at Hard Rock Stadium. The odds had been 8.5 for most of the 10 days since Indiana beat Oregon in the Peach Bowl.
FanDuel Sportsbook has Miami +260 on the money line and Indiana -320. The National Championship Game over/under is -47.5. Betting the over is -112. Placing money on the under is -108.
Miami and Indiana are both 10-5 against the point-spread in 2025. The Hurricanes are 3-0 as an straigt up as underdog during the 2025 season. Miami beat Notre Dame 27-24 as a 2.5-point underdog in the 2025 season opener.
Miami won 10-3 at Texas A&M in the first round of the College Football Playoff as a 3.0 point underdog and then beat Ohio State 24-14 in the Cotton Bowl, quarterfinal, getting 7.5 points. Indiana is 8-5 against the point spread in 2025 and has covered in both games.
Miami and Indiana Over/Under History
Five Miami games have gone over in 2025. That includes the 31-27 Miami win over Mississippi with the over/under of 52.5 in the Fiesta Bowl, CFP semifinal. Eight Indiana games have exceeded the over in 2025. In five of those games, Indiana exceeded the over by itself.
The 7.5-point spread for Indiana matches the number the Hoosiers were favored in the Rose Bowl, CFP quarterfinal against Alabama, whom the Hoosiers beat 38-3. Indiana beat Oregon 56-22 in the Peach Bowl as a 3.0-point favorite.
Predictions
Some analysts, including Miami alum and Fox Sports betting expert Chris Fallica, believe the spread is disrespectful to the Hurricanes. A large contingent of Indiana fans has projected a blowout for the Hoosiers. At home, led by its defense, Miami should cover the point spread. In a low-scoring game, also bet the under with confidence.