Kyler Murray's return holds financial risk for Cardinals - ESPN

The Arizona Cardinals want Kyler Murray to play again this season — so badly, in fact, that they are willing to take the financial risk that comes along with the quarterback's return.

Murray, who returned to practice last week for the first time since suffering a torn ACL last December, has $29.9 million in 2025 salary compensation that becomes fully guaranteed next March if he can't pass a physical by then.

The only way to ensure that Murray would be healthy by March 2024 would be not to play him, which the Cardinals don't want to do.

Murray also would face some of the NFL's stoutest defenses upon his return, as the Cardinals' remaining schedule includes games against the Browns, Ravens, 49ers, Steelers, Rams and Eagles — all teams with talented defensive lines.

Murray will not play Sunday against the Seahawks, and the Cardinals have not circled a specific date for his return. Arizona has until Nov. 8 to activate Murray to the 53-man roster, meaning the Cardinals' Week 10 home game against the Falcons would be the latest he could return this season.

Murray, 26, signed a five-year extension in July 2022 that keeps him under contract through the 2028 season and includes $160 million guaranteed for injury.

Sometimes injury guarantees in a player's contract are enough to force the team to bench him. Last season, for example, the Raiders decided to bench quarterback Derek Carr rather than expose themselves to any financial risk in his contract.

Carr had signed a three-year, $121. 5 million contract extension the previous spring, but his $32.9 million salary for 2023 and $7.5 million of his 2024 salary would have become fully guaranteed if he suffered an injury. Rather than put $40.4 million of guaranteed money at risk, the