San Francisco 49ers (11-4) at Arizona Cardinals (10-5)

The Cardinals proved themselves last week to be a very good football team, going into Seattle, where no one has won in two years, and winning despite losing the turnover battle by 2. Teams rarely are able to overcome a -2 turnover margin, winning just about 17.7% of the time. Winning despite losing the turnover battle by 2 is hard; winning as double digit underdogs despite losing the turnover battle by 2 is even harder. In fact, that was just the 5^th time a team had done that since 1989, rising the winning percentage of double digit underdogs who lose the turnover battle by 2 to 4.0%.

It wasn’t just last week. The Cardinals are doing a very impressive job on the season. They are moving the chains at a solid 71.22% rate, while their strong defense is allowing opponents to move the chains at a 68.37% rate, a differential of 2.86% that ranks 11^th in the NFL. They’re a comparable football team to their opponents here, the San Francisco 49ers. The 49ers rank a little higher, coming in at 8^th, moving the chains at a 70.70% rate, as opposed to 67.20% for their opponents, a differential of 3.50%. However, these are definitely comparable teams. In spite of that, the Cardinals are 1.5 point home underdogs here. Rate of moving the chains differential suggests this line should be closer to 2 in favor of Arizona, so we’re getting some significant line value here.

That doesn’t even take into account that Arizona is a much better home team than road team. Arizona has been money at home this season, going 6-1, as opposed to 4-4 on the road. It’s not just their record. It’s how much they’re winning by and who they are beating. They are outscoring opponents by 10.57 points per game at home, which includes that home loss, which came against Seattle. Their average margin of victory is 14.33 points per game. In that 6-1 record is two wins by double digits over likely division winners Indianapolis and Carolina (by a combined 45 points) and a win over a Detroit team week 2 that was much better to start the season than to end the season.

This home dominance is nothing new. Since 2006, they are 42-25 at home, outscoring opponents by an average of 2.37 points per game. On the road, they are 22-44 over that time period, getting outscored by 6.12 points per game. Given that, I don’t think the normal 3 points for home field advantage is appropriate for this team. On top of that, when they are underdogs or small home favorites (2.5 or less), they’ve essentially been an auto-bet over that time period, going 29-12 ATS. Whenever they just need to win to cover a spread at home, they usually get the job done and that’s the case here. Now that they have arguably their best team of that time period (remember, even in their NFC Championship year in 2008, they went 9-7 in the regular season), they are an incredibly tough team to beat at home, as I demonstrated earlier.

The 49ers haven’t done a good job this season against tough opponents. Colin Kaepernick and the 49ers have both been incredible this season against bad teams, teams that are currently .500 or worse, going 9-0 in those games, winning by an average of 18.56 points per game. Colin Kaepernick has completed 137 of 216 (63.4%) for 1965 yards (9.10 YPA), 14 touchdowns, and no interceptions, while rushing for 303 yards and 4 touchdowns on 52 carries.

However, against teams that are currently better than .500, they are just 2-4, with both wins coming at home. In those games, Colin Kaepernick is 85 of 166 (51.2%) for 922 yards (5.55 YPA), 5 touchdowns, and 8 interceptions, while rushing for 197 yards and no touchdowns on 36 carries. The Cardinals’ tough defense is even tougher at home and could easily give Kaepernick a lot of trouble. Defensive coordinator Todd Bowles is doing a terrific job this season and will have a great game plan to confuse Kaepernick and he has the personnel to execute it, led by Calais Campbell, Karlos Dansby, Daryl Washington, and Patrick Peterson, all of whom are playing at a Pro-Bowl caliber level.

The one concern and the reason why this isn’t a bigger play: teams are 36-56 ATS since 1989 off of a win as road underdogs of 10 or more. It makes sense. Pulling off a huge upset like that tends to make teams overvalued and overconfident and they can experience a hangover effect when they fall back to earth the next week. However, there are two things that nullify that to an extent here. One, I don’t think the Cardinals are overvalued here. As I illustrated earlier, I actually think the Cardinals are undervalued, in spite of last week’s huge win.

On top of that, for whatever reason, the line moved from a pick ‘em to 1.5 in favor of San Francisco over the past week, despite Arizona’s big win. We didn’t lose line value. In fact, just the opposite happened. Two, the Cardinals absolutely need this win to stay alive in the playoff race so that could nullify some of their overconfidence and the potential hangover effect. It’s still a concern, which is why it isn’t a bigger play, but there’s enough here for me to be pretty confident in Arizona.

Arizona Cardinals 17 San Francisco 49ers 10 Upset Pick +105

Pick against spread: Arizona +1.5

Confidence: Medium

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