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College Football Playoff

2026 College Football Playoff National Championship Recap

Monday, January 19, 2026 | 7:30 p.m. ET No. 1 Indiana 27, No. 10 Miami 21 Hard Rock Stadium | Miami Gardens, Florida
SCORE BY QUARTERS 1st 2nd 3rd 4th FINAL
UM #10 Miami (13-3) 0 0 7 14 21
IU #1 Indiana (16-0) 3 7 7 10 27



Attendance:
67,227
Kickoff Time:
7:52 p.m ET
End of Game:
11:21 p.m ET
Game Duration:
3:28



MIAMI GARDENS, Florida - Fernando Mendoza bulldozed his way into the end zone and Indiana bullied its way into the history books Monday night, toppling Miami 27-21 to put the finishing touch on a rags-to-riches story, an undefeated season and the national title.

The Heisman Trophy winner finished with 186 yards passing, but it was his tackle-breaking, sprawled-out 12-yard touchdown run on fourth-and-4 with 9:18 left that defined this game - and the Hoosiers' season.

Indiana would not be denied.

"I had to go airborne," said Mendoza, who had his lip split and his arm bloodied by a ferocious Miami defense that sacked him three times and hit him many more. "I would die for my team."

Mendoza's TD gave turnaround artist Curt Cignetti's team a 24-14 lead - barely enough breathing room to hold off a frenzied charge by the hard-hitting Hurricanes, who came to life in the second half behind 112 yards and two scores from Mark Fletcher but never took the lead.

The College Football Playoff trophy now heads to the most unlikely of places: Bloomington, Indiana - a campus that endured a nation-leading 713 losses over 130-plus years of football before Cignetti arrived two years ago to embark on a revival for the ages.

"Took some chances, found a way. Let me tell you: We won the national championship at Indiana University. It can be done," Cignetti said.

Indiana finished 16-0 - using the extra games afforded by the expanded 12-team playoff to match a perfect-season win total last compiled by Yale in 1894.

In a fitting bit of symmetry, this undefeated title comes 50 years after Bob Knight's basketball team went 32-0 to win it all in that state's favorite sport.

That hasn't happened since, and there's already some thought that college football - in its evolving, money-soaked era - might not see a team like this again, either.

Players like Mendoza - a transfer from Cal who grew up just a few miles away from Miami's campus, "The U" - certainly don't come around often.

Two fourth-down gambles by Cignetti in the fourth quarter, after Fletcher's second touchdown carved the Hurricanes' deficit to three, put Mendoza in position to shine.

The first was a 19-yard-completion to Charlie Becker on a back-shoulder fade those guys have been perfecting all season. Four plays later came a decision and play that wins championships.

Cignetti sent his kicker out on fourth-and-4 from the 12, but quickly called his second timeout. The team huddled on the field and the coach drew up a quarterback draw, hoping the Hurricanes would be in a defense they had shown before.

"We rolled the dice and said, ‘They're going to be in it again and they were,'" Cignetti said. "We blocked it well, he broke a tackle or two and got in the end zone."

Not known as a run-first guy, Mendoza slipped one tackle, then took a hit and spun around. He kept his feet, then left them, going horizontal and stretching the ball out - a ready-made poster pic for a title run straight from the movies.

Maybe they'll call it "Hoosiers." This was a program so bad that a coach once stopped the game early to take a picture of the scoreboard when it read "Indiana 7, Ohio State 6." The Hoosiers lost 47-7.

This year, though, they beat Ohio State in the Big Ten title game on their way to the top seed in the playoff.

They won their first two games by a combined score of 94-25 and Mendoza threw more touchdown passes (eight) than incompletions (five).

This one was nowhere near as easy.

Fletcher was a one-man force, hitting triple digits for the third time in four playoff games and turning a moribund offense into something much more.

It ended as a one-score game, and the 'Canes - the visiting team playing on their home field - moved into Indiana territory before Carson Beck's heave got picked off by Jamari Sharpe, a Miami native who made sure the only miracle in this season would be Indiana's.

"Did I think something like this was possible? Probably not," Cignetti said. "But if you keep your nose down and keep working, anything is possible."



SCORING SUMMARY

QTR TIME SCORE
(V-H)
TEAM SCORING PLAY DRIVE
1st 02:42 0-3 Indiana Nicolas Radicic 34 yd FG 12-55
(06:06)
2nd 06:13 0-10 Indiana Riley Nowakowski 1 yd rush (Nicolas Radicic kick) 14-85
(06:44)
3rd 11:06 7-10 Miami Mark Fletcher Jr. 57 yd rush (Carter Davis kick) 2-62
(00:46)
3rd 05:04 7-17 Indiana Isaiah Jones 0 yd blocked punt return (Nicolas Radicic kick) 01:20
(7-17)
4th 14:57 14-17 Miami Mark Fletcher Jr. 3 yd rush (Carter Davis kick) 10-81
(05:03)
4th 09:18 14-24 Indiana Fernando Mendoza 12 yd rush (Nicolas Radicic kick) 12-75
(05:39)
4th 06:37 21-24 Miami Malachi Toney 22 yd pass from Carson Beck (Carter Davis kick) 8-91
(02:34)
4th 01:42 21-27 Indiana Nicolas Radicic 35 yd FG 11-58
(04:55)



MIAMI STARTERS

POS. NO. OFFENSE
WR 0 Keelan Marion
WR 10 Malachi Toney
QB 11 Carson Beck
RB 4 Mark Fletcher Jr.
OL 52 James Brockermeyer
OL 61 Francis Mauigoa
WR 7 CJ Daniels
OL 70 Markel Bell
OL 73 Anez Cooper
OL 78 Matthew McCoy
TE 87 Alex Bauman
POS. NO. DEFENSE
DB 0 Keionte Scott
LB 1 Mohamed Toure
DB 24 Ethan O'Connor
DB 29 Romanas Frederique, Jr.
DL 3 Akheem Mesidor
LB 31 Wesley Bissainthe
DL 4 Rueben Bain Jr.
DL 5 Justin Scott
S 7 Zechariah Poyser
DB 8 Jakobe Thomas
DL 99 Ahmad Moten

MIAMI RESERVES

10 - Raul Aguirre, Jr., 11 - David Blay, 12 - Marquise Lightfoot, 13 - Bryce Fitzgerald, 16 - Jaboree Antoine, 18 - Armondo Blount, 21 - Jaylin Alderman, 22 - Cameron Pruitt, 23 - Dylan Day, 25 - Chris Wheatley-Humphrey, 27 - Ryan Mack, 28 - Isaiah Taylor, 3 - Joshua Moore, 32 - Kamal Bonner, 33 - Booker Pickett, 35 - Herbert Scroggins III, 36 - Nick Kelly, 38 - Carter Davis, 40 - Briton Allen, 41 - Chase Smith, 44 - Owen Ruskavich, 46 - Adam Booker, 54 - Ezekiel Marcelin, Jr., 54 - Michael Donovan, 6 - Xavier Lucas, 6 - CharMar Brown, 62 - Tommy Kinsler IV, 63 - Samson Okunlola, 65 - Seuseu Alofaituli, 76 - Ryan Rodriguez, 88 - Luka Gilbert, 92 - Samuel Coufal, 94 - Dylan Joyce.

INDIANA STARTERS

POS. NO. OFFENSE
RB 1 Roman Hemby
WR 13 Elijah Sarratt
QB 15 Fernando Mendoza
WR 3 Omar Cooper Jr.
TE 37 Riley Nowakowski
OL 62 Drew Evans
OL 65 Carter Smith
OL 67 Kahlil Benson
OL 74 Bray Lynch
OL 78 Pat Coogan
WR 80 Charlie Becker
POS. NO. DEFENSE
DB 1 Amare Ferrell
LB 21 Rolijah Hardy
DB 22 Jamari Sharpe
LB 4 Aiden Fisher
LB 46 Isaiah Jones
DB 5 D'Angelo Ponds
DL 6 Mikail Kamara
DB 7 Louis Moore
DL 91 Dominique Ratcliff
DL 95 Tyrique Tucker
DL 97 Mario Landino

INDIANA RESERVES

0 - Hosea Wheeler, 0 - Jonathan Brady, 10 - Ryland Gandy, 12 - Devan Boykin, 14 - Kaiden Turner, 15 - Nicolas Radicic, 17 - Daniel Ndukwe, 18 - Solomon Vanhorse, 19 - Holden Staes, 2 - Byron Baldwin Jr., 3 - Jaylen Bell, 31 - Anthony Chung, 33 - Garrett Reese, 34 - Jeff Utzinger, 35 - Brendan Franke, 36 - Clay Conner, 40 - Quentin Clark, 44 - Mitch McCarthy, 47 - Mark Langston, 48 - James Bomba, 7 - E.J. Williams Jr., 72 - Adedamola Ajani, 75 - Zen Michalski, 8 - Kaelon Black, 90 - J'mari Monnette, 93 - Quinn Warren.


 
 
2026 College Football Playoff National Championship
 

OFFENSIVE
PLAYER OF THE GAME
Fernando Mendoza
Fernando Mendoza
Jr., QB, Indiana

DEFENSIVE
PLAYER OF THE GAME
Mikail Kamara
Mikail Kamara
Sr., DL, Indiana


TEAM STATISTICS UM IU
First downs 15 20
Rushing 5 7
Passing 9 11
Penalty 1 2
Rushes-Yards 21-110 45-131
Passing Yards 232 186
Passes Comp-Att-Int 19-32-1 16-27-0
Total Offense
(Plays-Yards)
53-342 72-317
Punt Returns-Yards 4-25 1-16
Kickoff Returns-Yards 4-79 0-0
Punts (Number-Avg) 6-39.0 5-48.2
Fumbles-Lost 0-0 0-0
Sacks By
(Number-Yards)
3-23 1-7
Penalties-Yards 7-60 5-38
3rd Down Conversions 3-of-11 6-of-16
4th Down Conversions 1-of-1 2-of-2
INDIVIDUAL STATISTICS
Rushing: Miami - Mark Fletcher Jr., 17-112, 2 TD: CharMar Brown, 3-5; Carson Beck, 1- -7.

Indiana - Kaelon Black, 17-79; Roman Hemby, 19-60; Riley Nowakowski, 1-1, 1 TD; Fernando Mendoza, 7- -8, 1 TD.
Passing: Miami - Carson Beck, 19-32-1, 232, 1 TD.

Indiana - Fernando Mendoza, 16-27-0, 186.
Receiving: Miami - Malachi Toney, 10-122, 1 TD; CJ Daniels, 4-62; Alex Bauman, 1-22; CharMar Brown, 1-11; Mark Fletcher Jr., 1-8; Keelan Marion, 1-6; Joshua Moore, 1-1.

Indiana - Omar Cooper Jr., 5-71; Charlie Becker, 4-65; Elijah Sarratt, 3-28; Riley Nowakowski, 2-17; Roman Hemby, 2-5.
Punting: Miami - Dylan Joyce, 5-234, 46.8.

Indiana - Mitch McCarthy, 5-241, 48.2.
Returns: Miami - Punt: Malachi Toney, 4-25; Kickoff: Keelan Marion, 3-65; Chris Wheatley-Humphrey, 1-14; Intercept: None.

Indiana - Punt: Mikail Kamara, 1-16; Kickoff: None; Intercept: Jamari Sharpe, 1-0.
Field Goals: Miami - Carter Davis, 0-1 (50 Missed).

Indiana - Nicolas Radicic, 2-2 (34 Good, 35 Good).
Tackles:
(Solo-Assist-Total, Sacks-Yds, TFL-Yds)
Miami - Mohamed Toure (6-5-11, 0, 0); Wesley Bissainthe (5-3-8, 0, 0.5-1); Rueben Bain Jr. (5-3-8, 1-8, 2.5-15); Zechariah Poyser (5-1-6, 0, 0); Jakobe Thomas (3-3-6, 0, 0); Ethan O'Connor (5-0-5, 0, 0); Ahmad Moten (3-2-5, 0, 1-3); Keionte Scott (2-1-3, 0, 0); Akheem Mesidor (2-1-3, 2-15, 2-15); Justin Scott (1-2-3, 0, 0); Romanas Frederique, Jr. (2-0-2, 0, 0); Chase Smith (2-0-2, 0, 0); Marquise Lightfoot (1-1-2, 0, 0); David Blay (1-0-1, 0, 0); Raul Aguirre, Jr. (0-1-1, 0, 0); Bryce Fitzgerald (0-1-1, 0, 0).

Indiana - Louis Moore (4-3-7, 0, 0); Jamari Sharpe (5-1-6, 0, 0); D'Angelo Ponds (5-0-5, 0, 0); Mario Landino (3-1-4, 0, 0); Mikail Kamara (3-1-4, 0, 0); Devan Boykin (3-1-4, 0, 0); Rolijah Hardy (2-2-4, 0, 0); Aiden Fisher (1-3-4, 1-7, 1-7); Isaiah Jones (2-0-2, 0, 0); Jeff Utzinger (1-1-2, 0, 0); Daniel Ndukwe (0-2-2, 0, 0); Quentin Clark (1-0-1, 0, 0); Amare Ferrell (1-0-1, 0, 0); Hosea Wheeler (1-0-1, 0, 0); Byron Baldwin Jr. (1-0-1, 0, 0); Tyrique Tucker (0-1-1, 0, 0).