Miami vs Indiana Prediction 1/19/2026 Today’s College Football Picks

The Miami Hurricanes and Indiana Hoosiers meet Monday in the college football National Championship at Hard Rock Stadium. Here’s a Miami vs Indiana Prediction. This article will include a Miami vs Indiana Pick.

Miami Hurricanes Betting Preview

The Miami Hurricanes beat Ohio State and Ole Miss. The Miami Hurricanes have won 7 straight games. The Hurricanes look for their first national title since the 2001 season. Carson Beck is completing 73.3 percent of his passes for 3,581 yards, 29 touchdowns, and 11 interceptions. Malachi Toney and Keelan Marion have combined for 1,829 receiving yards and 11 touchdowns, while CJ Daniels has 46 receptions.

The Miami Hurricanes ground game is averaging 165.6 yards per contest, and Mark Fletcher Jr. leads the way with 1,080 yards and 10 touchdowns. Defensively, Miami is allowing 13.1 points and 313.5 yards per game. Mohamed Toure leads the Miami Hurricanes with 73 tackles, Akheem Mesidor has 10.5 sacks and Bryce Fitzgerald has 6 interceptions.

Indiana Hoosiers Betting Preview

The Indiana Hoosiers beat Alabama and Oregon. Indiana has won 15 straight games. Indiana looks to win its first national title in school history. Fernando Mendoza is completing 73 percent of his passes for 3,349 yards, 41 touchdowns, and 6 interceptions. Elijah Sarratt and Omar Cooper Jr. have combined for 1,668 receiving yards and 28 touchdowns, while Charlie Becker has 30 receptions.

The Indiana Hoosiers ground game is averaging 218.3 yards per contest, and Roman Hemby leads the way with 1,060 yards and 7 touchdowns. Defensively, Indiana is allowing 11.1 points and 260.9 yards per game. Rolijah Hardy leads the Indiana Hoosiers with 99 tackles, Isaiah Jones has 8 sacks and Louis Moore has 6 interceptions.

Why the Indiana Hoosiers will win

• Indiana has won each of its last 11 games as a top-15 AP-ranked team.
• Miami (FL) has lost nine of its last 11 games played at neutral venues.
• Indiana has covered the spread in each of its last five games against top-15 AP-ranked teams.
• Miami (FL) has failed to cover the spread in each of its last three games against opponents from the Big Ten Conference at Hard Rock Stadium.
• Miami (FL) has lost the first half three of its last four games against top-3 AP-ranked teams.

Why the Miami Hurricanes will win

• Miami (FL) has won each of its last three games as an underdog against top-10 AP-ranked teams.
• Miami (FL) has covered the spread in each of its last six games as a top-10 AP-ranked team against an AP-ranked team.

Total Points Facts

• Seven of Indiana’s last eight games at neutral venues have gone UNDER the total points line.
• Four of Miami (FL)’s last five games against AP-ranked teams have gone UNDER the total points line.

Indiana Hoosiers Player Prop Facts

• Heading into the bowl games, Fernando Mendoza ranks 1st amongst FBS players for passing touchdowns (41) this season.

Miami Hurricanes Player Prop Facts

• Heading into the bowl games, Malachi Toney ranks 4th amongst FBS players for receptions (99) this season.

Matchup/League Facts

• Indiana has recorded the most home wins by a margin of 40+ points of any FBS team this season (4).
• Indiana has recorded the largest margin of victory in a road game this season (53-points vs Purdue on November 28, 2025).
• Miami (FL) ranks 3rd among FBS teams for H1 opponent points per game this season (4.7).
• Miami (FL) ranks 5th among FBS teams for points allowed per game this season (14.0).

Miami vs Indiana Prediction

Indiana should be favored, as it’s unbeaten on the season and is a well oiled machine that executes well in all three phases. Indiana doesn’t beat itself, is third in scoring offense and second in scoring defense. Most just assume Indiana will keep doing what it’s been doing all season. However, Miami keeps getting disrespected in the betting market for some reason, and I don’t get it. You’d think the Ole Miss and Ohio State games would’ve made folks forget about Miami’s regular season hiccups, but I guess not.

Miami is elite in the trenches, and that allows the Canes to control the game on both sides of the ball. Miami can pressure without blitzing and can run the ball at will on offense. It also looks like Miami is getting a boost in the secondary with the return of OJ Frederique.

Indiana faced big physical teams this season in Penn State, Iowa and Ohio State, and those games were decided by an average of 3.6 points. I’d argue Miami is more talented on the lines than those teams, but it’s a similar blueprint to a Hurricane’s victory. There’s also the fact this is a home game for Miami, which has to be worth something. It’s going to be a zoo in Miami Gardens, as Miami looks to return to the glory days. I don’t understand this line at all, as I believe Miami can win outright. I said similar things in my Miami – Ohio State write up. Anyway, give me the points and the ML on Monday night.

See you folks next season.

Randy Chambers's Pick: Miami +8.5 / ML