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49ers vs Panthers Betting Preview and MNF Expert Pick

49ers vs Panthers odds, expert analysis and a full game prediction for Monday night.

(Photo by Getty Images) Brock Purdy
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Carolina (6-5-0) at San Francisco (7-4-0)

  • When: Nov 24 2025, 8:15 PM
  • Where: Levi’s Stadium, Santa Clara, CA
  • Where to watch: ESPN
  • Last Meeting: SF 37-15, October 9th, 2022

Carolina vs San Francisco Preview & Prediction

Spread: San Francisco -7.5
Moneyline: San Francisco (-374)
Total: 49.5

San Francisco 49ers Betting Outlook

San Francisco snapped out of its mid-season slump in Brock Purdy’s return, rolling Arizona and looking far closer to the version that reached back-to-back deep playoff runs. Purdy wasn’t asked to air it out, but he delivered three touchdowns with clean efficiency, and the offense operated with rhythm for the first time in weeks.

The 49ers have weathered a brutal stretch of injuries and are finally stabilizing with their core pieces back. Christian McCaffrey, now facing his former team for the first time since being traded, continues to drive the offense with the same multidimensional dominance he showed in Carolina. His production on the ground and through the air shapes nearly every defensive decision.

With San Francisco regaining health on both sides of the ball, their identity as a physical, disciplined team has resurfaced. Their defense should generate pressure and force Carolina into long-field situations, which favors the Niners when playing with a lead.

49ers Player Prop Pick: Christian McCaffrey Anytime Touchdown – He remains the most reliable red-zone weapon in the league.

Carolina Panthers Betting Outlook

Carolina arrives in unfamiliar territory for late November, holding a winning record and real playoff possibilities. Bryce Young is coming off a monster 448-yard performance that shook up the NFC. Under Dave Canales, the Panthers have found confidence, direction and timely execution, especially late in games. Young has already produced 10 game-winning drives in less than two seasons, a sign of steady situational growth.

The Panthers have leaned heavily on rookie wideout Tetairoa McMillan, who exploded for 130 yards and two scores last week. His rise since the Thielen trade has given the offense legitimate vertical juice. Carolina’s biggest challenge now is maintaining consistency against physically imposing defenses that test both protection and timing.

They have also relied on clutch kicking to secure victories. Three of their wins have come on walk-off field goals. They cannot count on that formula here, meaning Young must stay sharp and avoid turnovers early.

Panthers Player Prop Pick: Tetairoa McMillan Over 63.5 Receiving Yards – His role and target volume continue to climb.

Expert Betting Outlook & NFL Prediction

San Francisco has more balance, more firepower and a defense that can capitalize on any stalled Carolina drives. The Panthers have improved and are no longer an easy out, but stepping into a primetime matchup against a healthier, more complete 49ers team is a demanding assignment.

Carolina can be competitive early, especially if Young protects the ball, but San Francisco’s depth and red-zone efficiency should separate this game as it progresses.

Final Score:  49ers 30, Panthers 20
Lean:  San Francisco -7.5
Total: 
Over 49.5 

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