Final Army vs Navy Prediction, Betting Trends & Updated Odds – (Saturday, Dec. 13)

• Navy looks to win its 10th game of the season
• Army has dominated this matchup in recent years
• Keep reading for my Army vs Navy prediction plus a look at the betting trends and updated odds for this rivalry game

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The Army Black Knights (6-5, 4-4 in the American) and Navy Midshipmen (9-2, 7-1 in the American) battle in one of the best rivalries in college football. M&T Bank Stadium in Baltimore will play host at 3:00 PM ET on Saturday, Dec. 13. CBS will broadcast the game.

Continue reading for my Army vs Navy prediction as well as the Army vs Navy betting trends and updated odds.

Army vs Navy Prediction

• Navy 24, Army 21

I am predicting that Navy wins a close game that is a relatively high-scoring affair for the academy schools. Even 45 points would be the highest-scoring matchup since 2011.

Army Black Knights Analysis

Despite cutting their win total in half from a program-best 12 wins last year, Army still managed to rebound from a 1-3 start to clinch a bowl berth even before playing Navy. Jeff Monken’s 12th season at West Point is his ninth with at least six wins and the seventh with a bowl appearance.

Consider that the Black Knights have just 861 passing yards on the season, under 80 per game. Cale Hellums has made just 69 pass attempts in 11 games, totaling 504 yards and three touchdowns. That said, he is a 1,000-yard rusher, and he leads the American with 264 rush attempts. Hellums has 15 rushing touchdowns.

QB Cale Hellums ➡️ @SportsCenter 🎥

In case you missed it last night, here’s the full segment as he and his teammates prep for the @ArmyNavyGame.#GoArmy x #BeatNavy pic.twitter.com/mtSvqpqYNg

— Army Football (@ArmyWP_Football) December 10, 2025

Beyond Hellums, six different players have at least 25 rush attempts for Army. Noah Short is second on the team with 552 rushing yards. He is also the No.1 pass catcher in terms of catches with 22 on the season.

Brady Anderson is averaging an absurd 29.2 yards per catch, turning 12 catches into 350 yards and two touchdowns. Joining Short and Anderson, running back Samari Howard is the only other player with 10 catches (11) or 100 yards (133).

Defensively, the heart and soul of the unit is linebacker Andon Thomas. The senior has a conference-leading 57 solo tackles. He has 2.5 tackles for a loss and five pass deflections on the season.

Navy Midshipmen Analysis

Brian Newberry is looking for his second consecutive 10-win campaign in Annapolis. Navy only has six 10-win seasons in program history. If Navy were to beat Army and then Cincinnati in bowl season, it would match a program record with 11 wins (2015 and 2019). Despite going 7-1 in the American, Navy did not make the American Title Game, losing on a tiebreaker to North Texas and eventual champion Tulane.

Blake Horvath is as dynamic as ever. In 10 games this season, he has 23 touchdowns (nine passing, 14 rushing) with five interceptions. He has just shy of 2,500 total yards, leading the Midshipmen in rushing while contributing competent passing production for a service academy. He averages over 10 yards per pass, completing just short of 62% of his passes.

Four other Midshipmen have at least 400 rushing yards, led by Alex Tecza. The senior fullback had 772 yards and nine touchdowns this season, rushing for 100 yards in each of Navy’s last two games. He has 10 scrimmage touchdowns in both 2024 and 2025.

Two of @NavyFB’s elite playmakers on offense — RB Alex Tecza and WR Eli Heidenreich — have known each other since the first grade and played football together since the eighth grade.

The duo from the Pittsburgh proudly calls themselves ‘Yinzers’ and they bring the city’s… pic.twitter.com/hgJfYyeQs1

— CBS Sports College Football 🏈 (@CBSSportsCFB) December 9, 2025

The leading receiver for Navy is Eli Heidenreich. Essentially a fullback, Heidenreich accounts for a ridiculous 53.7% of all of Navy’s receiving yards. He has 40 catches for 805 yards and four touchdowns. He also has 409 rushing yards and three rushing touchdowns. He is the first FBS player with 800 receiving yards and 400 rushing yards since Curtis Samuel (2016, Ohio State).

The playmaker on Navy’s defense is pass rusher Landon Robinson. He leads the team with 8.5 tackles for a loss and 6.5 sacks. The senior was named American Defensive Player of the Year for his efforts. He also has a fumble recovery on the season.

Army vs Navy Pick

• Over 38.5

Here is why I am backing 38.5 in Army vs Navy:

• In Navy games, the over has hit eight times. In the three games it did not hit, two of three still had at least 45 points scored, easily covering the spread for this game.
• The over has not been as productive in Army games, only going 4-7, but consider that the total was at least 44 in every Army game. Only four Army games have been contested under 38.5 points this season.
• Both teams, of course, have prolific rushing attacks from a volume perspective, but Navy has the most efficient ground game in college football, averaging 6.1 yards per carry. I anticipate some of the usual double-digit-play drives being quick strikes to quicken the pace and get the game into the low 40s.

Army vs Navy Betting Trends

As of Friday night, the majority of bettors are betting on Navy to cover. 68% of the ATS handle is on Navy with a healthy 58% of spread bets on the Midshipmen. On the flip side, only 32% of the ATS handle is on Army with 42% of bets.

The public is all over Navy to win the game. 82% of the moneyline handle is on the Midshipmen, spread across 86% of bets. Army only accounts for 18% of the moneyline handle and 14% of moneyline bets.

The public is split on the total. More money has come in on the under, 60%, compared to just 40% on the over. However, 63% of all bets have come in on the over, with only 37% of bets backing the under. In other words, over bettors are more conservative in their bets while under bettors are hammering the under.

The market itself has held steady with Navy favored between six and seven points consistently. The total has settled between 38 and 38.5 after being as high as 39.5 early in the week.

Army vs Navy Odds

Navy is about a touchdown favorite in this neutral-site clash. Navy bettors can bet the Midshipmen at -6.5 on the spread at BetRivers (-105 odds) or -250 on the moneyline at Sports Interaction. Army bettors can bet the Black Knights at +7 on Sports Interaction (-115 odds) or +225 on the moneyline at DraftKings.

The total is set at 38.5 points. Over bettors can bet over 38.5 on bet365 for -110 odds. Under bettors can bet under 38.5 on Caesars for -112 odds.

Army vs Navy Recent History

Navy holds the lifetime edge over Army 63-55-7. Army has had the advantage in recent seasons, winning six of the last nine games, but Navy had won the 14 matchups before this run.

Last season, Navy was in control most of the way, pulling away in the fourth quarter to win by 18 points. Blake Horvath had a massive game, accounting for over 300 total yards and four total touchdowns for the victorious Midshipmen. On the Army side, Bryson Daily struggled, throwing three interceptions – all of the turnovers in the game.