Miami is a 7.5-point underdog to Indiana in the FanDuel Sportsbook opening odds for the National Championship Game. Indiana beat Oregon 56-22 in the Peach Bowl, sending quite a statement with such a dominant performance. Next up, Miami and Indiana will meet at the Hard Rock Stadium on Jan. 19.
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Taking the points with Miami is -128. Laying the points with Indiana is +104. Miami is +245 on the moneyline and Indiana is -300. The over/under for the National Championship Game is 47.5 points. Betting the over is -115 and putting money on the under is -105.
The National Championship Game will be the fourth time this season and third during the College Football Playoff that Miami will be the underdog. Mario Cristobal's players have won every game this season outright as an underdog. The Hurricanes are 10-5 against the spread overall in 2025.
Miami began the season with a 27-24 win over Notre Dame as a 2.5-point underdog. Miami won 10-3 at Texas A&M in the College Football Playoff first round. Ohio State closed as a 7.5-point favorite over Miami in the Cotton Bowl CFP quarterfinal. Miami was a 3-point favorite over Ole Miss in its CFP Fiesta Bowl 31-27 semifinal win.
Miami has opened as a 7.5-point underdog against Indiana in the CFP title game
Indiana is 8-5 against the spread as a favorite in 2025. The Hoosiers are 10-5 overall against the spread in 2025. Oregon was the fourth consecutive game Indiana has covered. The Hoosiers were dominant in their two CFP games, including beating Alabama 38-3 in the Rose Bowl.
The game against Ole Miss was the sixth for Miami that hit the over this season. Miami had a game go over for the first time since the 34-17 win at Virginia Tech in the penultimate game of the 2025 regular season. The Virginia Tech game had an over/under of 49 points.
Eight Indiana games have gone over in 2025. The Peach Bowl reversed a trend of four out of the previous five Indiana games going under. Before the Peach Bowl, the only other Indiana game in the previous five that went over was a 56-3 win over Purdue, with the total at 54.5.
The line can fluctuate throughout the 10 days leading up to the National Championship Game. Miami was a 2.5 to 3.5-point favorite over Ole Miss and went from a 9.5-point underdog to closing at -7.5 against Ohio State.