
The College Football Playoff picture is taking shape now that Week 10 of the regular season is in the books.
Turns out the Notre Dame Fighting Irish are way better than anticipated. And turns out the Ohio State Buckeyes may not be championship contenders without star quarterback Julian Sayin, who's sidelined with a right elbow injury.
With that in mind, let's predict the top 12 teams in the CFP before the committee reveals its updated rankings on Tuesday (ESPN, 9 p.m. ET). The committee will unveil the final ranking on Dec. 6. (Note: we're predicting the CFP ranking, not the 12 seeds in the final bracket, which is why the predictions exclude No. 25-ranked Boise State Broncos).
Before diving in, take a look at the current rankings to get up to speed.
THE FIRST CFP TOP 25 RANKINGS HAVE DROPPED!
— FOX College Football (@CFBONFOX) November 4, 2026
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This one feels clear after the Bulldogs throttled the No. 10-ranked Ole Miss Rebels 42-7 on the road in Week 10. With that win, Georgia now ranks second in the country in average margin of victory (+23).
Much of Georgia's dominance ties to an elite defense, led by linebacker Chris Cole, but let's not discount senior quarterback Gunner Stockton's efforts. He's tied for 11th in the nation in touchdown passes (20), four of which came against Ole Miss.
Utah earned more respect with a hard-fought 28-20 home win over the No. 9-ranked BYU Cougars. Perhaps that'll help QB Devon Dampier (20 TD passes, tied for No. 11 in FBS) generate more Heisman buzz.
The Big 12 remains unpredictable, but Utah is emerging as the favorite to win the conference. As of Monday, FanDuel Sportsbook gives the Utes -110 odds.
Yes, other teams with better records could/should be in this spot. But the committee — which loves traditional powers like Alabama — may reward it after it dominated the LSU Tigers 31-13 on the road in Week 10.
To Alabama's credit, it hasn't had many bad losses so far. The Crimson Tide fell 26-10 to the No. 13-ranked Tennessee Volunteers on the road in Week 7, marking their only double-digit loss thus far.
The Hoosiers had a bye in Week 10, so don't expect the committee to penalize them. After the first CFP rankings dropped, it's apparent it will cut the defending national champions plenty of slack.
The Hoosiers lost to Ohio State (19-15) in Week 7 and escaped with wins over the Michigan Wolverines (13-6) and Minnesota Golden Gophers (23-16) in Weeks 8 and 9. As long as Indiana keeps winning, it should remain in position to secure a first-round bye in the CFP.
We'll admit it, this Notre Dame team no longer looks like a pretender after handing the Miami Hurricanes their first loss of the season in a 31-24 home win. Notre Dame QB CJ Carr looked like a future NFLer against Miami, completing 29-of-40 passes for 319 yards and three TDs.
Notre Dame's strength of schedule, though, could prevent it from vaulting into the top four. Per ESPN's Football Power Index, the Fighting Irish rank No. 33 in strength of schedule; Alabama ranks No. 1.
UCLA may feel it deserves a higher ranking, but it'll take moving up two spots. The Bruins and Hoosiers appear poised to meet in the Big Ten Championship Game (scheduled for Dec. 5 in Indianapolis) after UCLA beat Minnesota 34-20 on the road in Week 10.
Winning the conference may be the best way for the Bruins to secure a first-round bye. UCLA has an even weaker schedule than Notre Dame (No. 67 in ESPN's FPI), raising questions about its legitimacy as a national title contender.
The committee is regularly accused of favoring the SEC, so they'll keep the Longhorns where they are to dispel that notion. At least this spot feels right after the Longhorns beat the No. 18-ranked Missouri Tigers 34-20 on the road in Week 10.
QB Arch Manning makes the Longhorns an even bigger darling in the eyes of the CFP, and luckily for both parties, he's finding his groove. Over his past three games, Manning has tossed seven TD passes and two picks.
The Hurricanes are the biggest faller in our predictions, dropping seven spots. After the loss to Notre Dame, Miami has no wins over any teams in the CFP top 25, hurting its résumé.
The good news for Miami is that it should still win the ACC, and QB Darian Mensah still looks like a Heisman candidate without star wide receiver Malachi Toney (ankle). Against Notre Dame, the QB went 24-of-43 passing for 276 yards, three TDs and one interception.
The Volunteers deserve to be in the top 12 after dismantling the No. 6-ranked Kentucky Wildcats in a 34-6 home win. That marked Kentucky's second 28-point loss of the season.
QBs Faizon Brandon and George MacIntyre are still splitting time, but the Volunteers can count on their stingy defense. Tennessee ranks second in the SEC in points allowed (15.1 PPG).
The Wildcats haven't just lost to two teams in the CFP; they have been blown out. Along with the aforementioned loss to Tennessee, Kentucky fell to Alabama 45-17 in Week 2.
That will weigh heavily on the minds of voters, some of whom may wonder whether the Wildcats still belong in the 12-team field.
Texas Tech remains Utah's biggest competition in the Big 12 after a 53-48 Week 10 home win over the West Virginia Mountaineers. That marks the Red Raiders' second consecutive win since losing to the Cincinnati Bearcats 37-24 in Week 8.
Running back J'Koby Williams — who ranks 11th in the nation in rushing yards (954) — could carry the Red Raiders into the Big 12 Championship Game (scheduled Dec. 4 in Arlington, Texas).
BYU (7-2, 4-2 Big 12) also has a case for remaining in the top 12, but the committee may want to throw a curveball here. Plus, Wake Forest ranks fourth in the nation in margin of victory (+21.3).
Wake Forest lacks a signature win, but it did hold its own in a 33-20 Week 3 loss to Miami. More importantly, it has no bad losses, unlike BYU, which fell to the 5-4 UCF Knights 39-31 in overtime in Week 8.
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