NFL
Titans vs Jaguars
Jacksonville should cruise, but the spread may favor the underdog.

Tennessee Titans
TEN (3-13) VS JAX (12-4)
January 4, 2026 | 1:00 p.m. ET | EverBank Stadium, Jacksonville, FL

Jacksonville Jaguars

Moneyline Pick - Jacksonville Jaguars (-800): B
The Jaguars have ripped off seven straight wins and are 12-4 with a division title on the line, while the Titans limp in at 3-13 after yet another late-game collapse and more than three years without back-to-back victories, underscoring just how far apart these teams are right now. With Trevor Lawrence piloting a top-10 scoring offense at home, Jacksonville has already handled Tennessee comfortably once this season and has taken control of the rivalry in recent years, whereas rookie Cam Ward and a bottom-tier Titans attack have repeatedly stalled against quality defenses. Jacksonville’s key skill players are healthy, and although both teams carry long injury lists, the more impactful absences lean toward Tennessee’s defense and depth, further widening the talent gap in a game where the Jaguars also have clear playoff motivation and Tennessee is purely in spoiler mode. Laying -800 on the Jaguars’ moneyline offers limited raw return, but as a high-confidence leg in parlays or for risk-averse bettors, backing Jacksonville simply to win is the logical side given the disparity in form, efficiency, and stakes. Odds and availability are subject to change. This bet was made at 02/01/2026 11:43
Over/Under Pick - Under 47.5, (-110): B
Even with Jacksonville’s offense humming, the total of 47.5 looks a bit rich when you factor in Tennessee’s anemic scoring, Jacksonville’s improving defense, and how these teams have matched up recently. The Titans are among the league’s lowest-scoring offenses and have struggled badly on third down and in the red zone, which plays into a Jaguars defense that has tightened up against the run and already held Tennessee to a modest output earlier this season. On the other side, Jacksonville’s offensive line is dinged up and the coaching staff has shown a willingness to lean on the ground game and shorten contest tempo once they get a lead, especially with postseason health in mind and a banged-up Titans front that can still generate some pressure when fresh. Add in that Jacksonville has tended to play lower-scoring games when laying big numbers at home and that a blowout script often produces slower, clock-draining drives in the second half, and the Under 47.5 at -110 is a slight value lean despite the risk of defensive or special-teams scores pushing the total higher. Odds and availability are subject to change. This bet was made at 02/01/2026 11:43
Spread Pick - Tennessee Titans, +13.5 (-115): B+
The spread is where Tennessee becomes more attractive, as +13.5 gives the Titans plenty of room to stay inside the number even if Jacksonville controls the game and ultimately secures the division. The Jaguars’ seven-game winning streak, earlier blowout win over Tennessee, and strong home record have clearly inflated this line, but that also bakes in the risk that they manage snaps for key players if the AFC South picture starts to look secure during the afternoon or if they jump out to a multi-score lead. Cam Ward, Tony Pollard, and breakout rookie playmaker Chimere Dike have at least raised the Titans’ offensive ceiling in recent weeks, and a healthier offensive spine gives them some backdoor-cover potential against a Jaguars defense missing or limiting multiple contributors in the secondary and front seven. With divisional familiarity, a Jacksonville team balancing “win now” with “stay healthy for January,” and a desperate spoiler mentality on the Titans’ sideline, grabbing Tennessee plus nearly two touchdowns at -115 offers better risk/reward than laying the big chalk with the favorite, even while expecting the Jaguars to win outright. Odds and availability are subject to change. This bet was made at 02/01/2026 11:43
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