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MNF Predictions Week 12 | Panthers vs 49ers

Last Updated: Nov 24, 2025

The Week 12 Monday Night Football game will have major implications in the NFC playoff picture, with the San Francisco 49ers (7-4) hosting the Carolina Panthers (6-5).

The 49ers began the week in possession of the final Wild Card spot in the NFC. However, the Panthers are just one game behind them, making this a critical game for the playoff chances of both teams, who are coming off road wins in Week 11.

Let’s dive into the latest Panthers vs 49ers betting odds and my MNF predictions for Week 12.

Updated MNF Odds Comparison

Despite being separated by just one game in the standings, DraftKings Sportsbook has the 49ers favored by 7.5 points, which is a substantial spread.

San Francisco’s moneyline is set at -375, compared to Carolina’s moneyline of +295. The over/under for the game is listed at 49.5 points.

All NFL odds used for these Monday Night Football predictions are current as of Monday, Nov. 24, and courtesy of DraftKings Sportsbook.

MNF Implied Scores & Team Totals

49ers 28.5, Panthers 21

After a string of high-scoring games, oddsmakers believe San Francisco will both score and give up 20+ points for the fourth straight game, even against a Carolina team that’s been up and down offensively and averaging less than 20 points per game on the season.

Sportsbook Play of the Day

Monday Night Football Predictions

MNF Score Prediction: 49ers 24, Panthers 13

There are good vibes around the Panthers and Bryce Young after the second-year quarterback threw for 448 yards and three touchdowns last week. But that game is a complete outlier compared to how Young and the Carolina offense have performed this season.

In their four previous games, the Panthers averaged just 11.3 points per game, albeit with Andy Dalton starting one of those games. The bottom line is the Panthers shouldn’t expect similar results this week, even against a rather average San Francisco defense.

On the other side, Brock Purdy shouldn’t be expected to light up the scoreboard, even after guiding the 49ers to 41 points last week.

Nevertheless, he was efficient and mistake-free in his return from injury last week. He should get enough help from Christian McCaffrey for San Francisco to win by a comfortable margin.

Monday Night Football Bet Tips

Keep these Monday Night Football bet tips and trends in mind before making your Panthers vs 49ers best bets.

  • The 49ers are just 1-5 ATS this season coming off a win.
  • Carolina is 4-2 ATS this season on the road.
  • The 49ers haven’t won back-to-back games since Week 3.

Monday Night Football Best Bets

MNF Over/Under Pick: Panthers @ 49ers: Under 49.5 Points (-115)

The Under goes against the grain, as San Francisco’s last three games have averaged 63 total points.

But the Carolina offense has been too inconsistent to believe the Panthers will score 30 points the way they did last week. The San Francisco offense isn’t particularly explosive either, despite some big games recently against bad teams.

Both offenses will come back to earth a little rather than delivering another shootout.

Back the Under as your NFL pick of the day.

MNF Pick Against the Spread: 49ers -7.5 (-105) vs Panthers

This pick also goes against the grain because the 49ers have struggled to find consistency this year and win back-to-back games. However, the return of Brock Purdy from injury should help with that.

On the other side, it’s hard to trust that Bryce Young can replicate last week’s success when he’s failed to reach 200 passing yards in eight of his 10 games this season.

Carolina can’t be trusted to score 20 points most weeks, so I’m backing San Francisco to win and cover as one of my MNF best bets for Week 12.

Monday Night Football Prop Bet

MNF Prop Bet: Christian McCaffrey: Over 122.5 Rushing/Receiving Yards (-111)

McCaffrey has been the ultimate dual-threat running back this season, even by his standards.

He actually has more receiving yards than rushing yards, showing just how important he is to San Francisco’s passing attack. That didn’t change last week with Purdy back at quarterback, and it shouldn’t change on Monday.

With McCaffrey averaging 130.8 rushing and receiving yards per game this season, he should have no problem matching or exceeding that number against the Panthers.

Monday Night Football Parlay

Best MNF Same-Game Parlay (+525)

  • Panthers: Under 20.5 Points (-118)
  • Christian McCaffrey: 2+ Touchdowns (+130)
  • Christian McCaffrey: 5+ Receptions (-188)

McCaffrey figures to play a big role in Monday’s game, making him a good focal point for my MNF same-game parlay.

He’s had at least five receptions in all but one game this season, making that a safe play. McCaffrey has also scored multiple touchdowns in three of his last five games and is facing a defense that’s allowed the fifth-most rushing touchdowns in the NFL this season.

Finally, Carolina has failed to score more than 20 points six times this year, including four of its last five games, meaning the Panthers won’t be able to replicate last week’s success.

Lock in these three plays for your best Monday Night Football parlay.

Author

Bryan Zarpentine

Bryan is a freelance sports writer and a jack of all trades, covering baseball, football, soccer, and basketball, among other sports. His work has been published at The Sporting News, Audacy, and other well-known sites. Bryan is a graduate of Syracuse University and spends his free time reading, traveling, and attending sporting events.

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