Posted Friday December 12 at 12:00 PM ET. Odds are subject to change

Army +6 over Navy (Neutral Site Game)

Saturday, December 13th, 2025

M&T Bank Stadium – Baltimore, MD

America’s Game

3:00 PM ET. The pageantry and emotional weight of Army–Navy create a dynamic unlike anything else in college football. Records, rankings, statistics — they all take a back seat the moment these two service academies step onto the field. That’s why, even with Navy sitting at 9–2 and carrying a shiny number next to its name, this is not a game where you want to casually lay points.

Army may be 6–5 and unranked, and yes, losses to FCS Tarleton State and Tulsa will linger in the memory of bettors all season, but none of that has any predictive value here. After all, the Black Knights also knocked off Kansas State in Manhattan and gave Tulane all it could handle in New Orleans. What we are trying to say is that this is a team that can play up to an opponent as quickly as it has played down and these teams prepare for this matchup in particular all year long. For both programs, this is their championship —regardless of what bowls or postseason invitations come afterward. Rivalry intensity doesn’t just level the playing field; it often flips it entirely.

Navy’s offense is the highlight attraction, and rightfully so. The Midshipmen run the ball with machine-like precision, piling up rushing yards at a rate few teams in the nation can match. Blake Horvath has steered an attack that consistently scores at a clip, and on paper, that seems like enough to create separation. But Navy’s defensive profile tells a different story.

The Mids give up close to 400 yards per game of total defense and routinely allow opponents to find the end zone while doing so. Navy can score 30 quickly but they can also give up 30 easily, as well. That kind of charitable defense can keep underdogs alive far longer than favorites would prefer. And in a rivalry where possessions are precious and drives tend to be long, even one defensive lapse can swing the entire game flow.

Army has the profile of a team built to hang around — disciplined, methodical, and built for this setting. If they’re within striking distance in the fourth quarter, they’ll be happy. And in such circumstances, the Black Knights can cause chaos and perhaps steal the game outright. But that’s not what we are asking Army to do. We are just asking the Knights to show up and chalk talk aside, there are avenues where Army can keep this within range. This is exactly the kind of game where the underdog is never truly out of it and Army can win this outright. We’re happy to take the points and trust the Knights to come in under the number.

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