San Francisco 49ers @ Arizona Cardinals — Prediction & Odds, NFL Week 18 2026

Sunday, January 10, 2027 · 1:00 PM ET · State Farm Stadium (retractable roof)

Prediction: 49ers 27, Cardinals 18 (market-implied). The market gives the San Francisco 49ers a 77% chance to win. · Updated

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Every angle of 49ers @ Cardinals, on one screen.

49ers26.5win 77%
Market-implied score
Cardinals18.0win 23%
SpreadSF -8.5
Total44.5
Moneyline-410 / +320
  • The market-implied score next to the spread and total
  • Player projections against their prop lines, with the best price
  • What decides it: each passing matchup, protection and pace
  • Who is out and how much they play, and the best price on every side
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49ers vs Cardinals prediction

The market makes San Francisco 49ers an 8.5-point favorite over Arizona Cardinals, with the game total at 44.5.

Moneylines sit at -410 for San Francisco 49ers and +320 for Arizona Cardinals, a devigged 23% win probability for Arizona Cardinals; splitting the spread and total leaves market-implied team totals of 26.5 for San Francisco 49ers and 18 for Arizona Cardinals.

The Sport Stack's nflsim engine projects San Francisco 49ers — Brock Purdy (QB) at 244 passing yards and 19 rushing yards, Christian McCaffrey (RB) at 55 rushing yards and 35 receiving yards; Arizona Cardinals — Gardner Minshew (QB) at 235 passing yards and 6 rushing yards, Trey McBride (TE) at 69 receiving yards and 7.7 catches.

Kickoff is Sunday, January 10, 2027 · 1:00 PM ET, at State Farm Stadium, indoors.

New to these numbers? How devigging turns a price into a probability, how sportsbooks set these lines, what expected value means, and why to shop the number.

Consensus market

Consensus market for 49ers at Cardinals — lines as of Thu, 9/10 · 8:01 PM ET
MarketConsensus
SpreadSF -8.5
Total44.5
Moneyline (SF / ARI)-410 / +320
ARI implied win probability23%
Implied team totals (SF — ARI)26.5 — 18.0

Devigged cross-book consensus from the latest snapshot we hold, dated above. See the power ratings for the model's implied line on any matchup.

49ers and Cardinals this season

Games before Week 18. Against the spread and over/under are graded against the consensus line.
TeamRecordAgainst the spreadOver/underPoints forPoints againstDays of rest
San Francisco 49ers7-15-34-429.419.57
Arizona Cardinals3-64-55-419.828.37

49ers' last 3 games: W 38-17 vs LV · L 20-29 @ ATL · W 23-17 vs WAS.

Cardinals' last 3 games: L 3-17 @ SEA · W 33-30 @ DAL · L 16-30 vs DEN.

Player projections

San Francisco 49ers · 26.5 market-implied pts
Brock Purdy (QB) — 244 pass yds · 19 rush yds
Christian McCaffrey (RB) — 55 rush yds · 35 rec yds
Mike Evans (WR) — 53 rec yds · 4.1 rec
Arizona Cardinals · 18.0 market-implied pts
Gardner Minshew (QB) — 235 pass yds · 6 rush yds
Trey McBride (TE) — 69 rec yds · 7.7 rec
Tyler Allgeier (RB) — 50 rush yds · 17 rec yds

Research context, not a pick — every staked play is graded on the public ledger. How we grade.

What decides 49ers @ Cardinals, who is out and how much they play, the best price on every side, and every book's number.

Open the 49ers @ Cardinals matchup →

Retractable-roof stadium: the outdoor forecast applies only if the roof is open. Every game's conditions are on the NFL slate.

More Week 18 games

← Week 17 · Full 2026 schedule

49ers 2026 schedule

Cardinals 2026 schedule