NFL Matchups: Predictions, Odds & Betting Trends

Mon, 11/24, Final: 9 – 20
Carolina Panthers @ San Francisco 49ers

Panthers: 6-5 (54.5%) - NFC South | Market Rating: -2.00

49ers: 7-4 (63.6%) - NFC West | Market Rating: -0.16 | Home Field: +0.6 pts

Line: -7.0

Total: 49.5

Open: -6.5

Open: 45.5

Team totals: Panthers 20.5 · 49ers 28.5

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Injury Report CARNo report SFNo report

Notes

Panthers

Situational Factor(s)

Coming off a win as a dog (letdown)

Coming off an Overtime game

East Coast team traveling West

Extended rest: Non-bye week

49ers

Situational Factor(s)

Extended rest: Non-bye week

Baller Index Our Exclusive NFL Baller Index is a blend of several regressions, weighted to different cross-sections of the season. These regressions essentially look for teams that have over- or under-performed, in terms of points scored, relative to what would be expected based on their underlying metrics and who might be in for regression. While it does not factor in injuries, situational spots, or historic matchups into account, it can be a good place to start when thinking about a particular matchup.

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Model Total

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Team Comparison Stats, Records and the sections tied to them follow these filters; each team's Schedule and Historical Matchups follow them when their switch is on.

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Schedules

Panthers Schedule Follow global filters

Date	Team	Points		Opponent	Opp Pts	Yds	Rush	Rec	Int	Fum	Line	Total	Margin	Act Total
12/14/25 2025	Panthers	-	@	Saints	-	-	-	-	-	-	-2.5	40.5	-	-
11/30/25 2025	Panthers	-	vs.	Rams	-	-	-	-	-	-	+10.0	44.5	-	-
11/24/25 2025	Panthers	-	@	49ers	-	-	-	-	-	-	+7.0	49.5	-	-
11/16/25 2025	Panthers	30	@	Falcons	27 OT	515	67	448	0	0	+4.0	42.0	-3	O 57 +15.0
11/09/25 2025	Panthers	7	vs.	Saints	17	197	73	124	0	1	-5.5	37.5	+10	U 24 -13.5
11/02/25 2025	Panthers	16	@	Packers	13	265	163	102	1	1	+12.5	43.5	-3	U 29 -14.5
10/26/25 2025	Panthers	9	vs.	Bills	40	289	114	175	0	3	+7.0	47.5	+31	O 49 +1.5
10/19/25 2025	Panthers	13	@	Jets	6	323	125	198	2	1	+1.5	39.5	-7	U 19 -20.5
10/12/25 2025	Panthers	30	vs.	Cowboys	27	415	216	199	0	2	+3.0	47.0	-3	O 57 +10.0
10/05/25 2025	Panthers	27	vs.	Dolphins	24	437	239	198	0	1	+1.5	44.5	-3	O 51 +6.5
09/28/25 2025	Panthers	13	@	Patriots	42	337	129	208	0	1	+5.5	42.5	+29	O 55 +12.5
09/21/25 2025	Panthers	30	vs.	Falcons	0	231	110	121	2	1	+4.5	44.0	-30	U 30 -14.0
09/14/25 2025	Panthers	22	@	Cardinals	27	377	49	328	1	1	+7.0	45.5	+5	O 49 +3.5

Away Games Avg (5 games)		18.8	-	-	23.0	363	107	257	0.8	0.8	+6.1	42.6	+4.2 +1.9	U 41.8 -0.8

All Games Avg (10 games)		19.7	-	-	22.3	339	129	210	0.6	1.2	+4.1	43.4	+2.6 +1.5	U 42.0 -1.4

49ers Schedule Follow global filters

Date	Team	Points		Opponent	Opp Pts	Yds	Rush	Rec	Int	Fum	Line	Total	Margin	Act Total
12/14/25 2025	49ers	-	vs.	Titans	-	-	-	-	-	-	-12.5	44.5	-	-
11/30/25 2025	49ers	-	@	Browns	-	-	-	-	-	-	-5.5	35.5	-	-
11/24/25 2025	49ers	-	vs.	Panthers	-	-	-	-	-	-	-7.0	49.5	-	-
11/16/25 2025	49ers	41	@	Cardinals	22	295	95	200	2	0	-3.5	48.5	-19	O 63 +14.5
11/09/25 2025	49ers	26	vs.	Rams	42	393	74	319	0	1	+5.5	49.5	+16	O 68 +18.5
11/02/25 2025	49ers	34	@	Giants	24	394	159	235	0	1	-2.5	47.5	-10	O 58 +10.5
10/26/25 2025	49ers	15	@	Texans	26	241	48	193	1	1	+3.0	41.5	+11	U 41 -0.5
10/19/25 2025	49ers	20	vs.	Falcons	10	326	174	152	0	0	-0.5	46.5	-10	U 30 -16.5
10/12/25 2025	49ers	19	@	Buccaneers	30	414	67	347	0	1	+3.5	47.0	+11	O 49 +2.0
10/02/25 2025	49ers	26	@	Rams	23 OT	416	74	342	0	0	+7.5	43.5	-3	O 49 +5.5
09/28/25 2025	49ers	21	vs.	Jaguars	26	392	83	309	0	3	-3.5	45.5	+5	O 47 +1.5
09/21/25 2025	49ers	16	vs.	Cardinals	15	357	73	284	0	0	-1.5	44.5	-1	U 31 -13.5
09/14/25 2025	49ers	26	@	Saints	21	356	77	279	0	2	-3.0	40.5	-5	O 47 +6.5

Home Games Avg (4 games)		20.8	-	-	23.3	367	101	266	0.0	1.0	0.0	46.5	+2.5 -2.5	U 44.0 -2.5

All Games Avg (10 games)		24.4	-	-	23.9	358	92	266	0.3	0.9	+0.5	45.5	-0.5 +1.0	O 48.3 +2.9

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Records

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Notable Trends

The 49ers are 25% (1-3) against the spread at home

The 49ers are 71.4% (5-2) against the spread as a fav

The Panthers are 70% (7-3) against the spread as a dog

The Panthers are 75% (3-1) (L30 days) against the spread as a dog

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49ers (Home)

The 49ers are 54.5% (6-5) against the spread

The 49ers are 25% (1-3) against the spread at home

The 49ers are 71.4% (5-2) against the spread as a fav

The 49ers are 33.3% (1-2) against the spread as a home fav

The 49ers are 63.6% (7-4) to the over

The 49ers are 50% (2-2) to the over at home

The 49ers are 57.1% (4-3) to the over as a fav

The 49ers are 66.7% (2-1) to the under as a home fav

The 49ers are 60% (3-2) (L30 days) against the spread

The 49ers are 50% (1-1) (L30 days) against the spread at home

The 49ers are 100% (3-0) (L30 days) against the spread as a fav

The 49ers are 100% (1-0) (L30 days) against the spread as a home fav

The 49ers are 60% (3-2) (L30 days) to the over

The 49ers are 50% (1-1) (L30 days) to the over at home

The 49ers are 66.7% (2-1) (L30 days) to the over as a fav

The 49ers are 100% (1-0) (L30 days) to the under as a home fav

Panthers (Away)

The Panthers are 63.6% (7-4) against the spread

The Panthers are 66.7% (4-2) against the spread away

The Panthers are 70% (7-3) against the spread as a dog

The Panthers are 66.7% (4-2) against the spread as an away dog

The Panthers are 54.5% (6-5) to the over

The Panthers are 50% (3-3) to the over away

The Panthers are 60% (6-4) to the over as a dog

The Panthers are 50% (3-3) to the over as an away dog

The Panthers are 60% (3-2) (L30 days) against the spread

The Panthers are 100% (3-0) (L30 days) against the spread away

The Panthers are 75% (3-1) (L30 days) against the spread as a dog

The Panthers are 100% (3-0) (L30 days) against the spread as an away dog

The Panthers are 60% (3-2) (L30 days) to the under

The Panthers are 66.7% (2-1) (L30 days) to the under away

The Panthers are 50% (2-2) (L30 days) to the over as a dog

The Panthers are 66.7% (2-1) (L30 days) to the under as an away dog

Historical Matchups (Last 3 Seasons, Max 10) Follow global filters

Date	Team	Pts		Opponent	Pts	Yds	Rush	Rec	Int	Fum	Line	Total	Margin	Act Total
10/09/22 2022	49ers	37	@	Panthers	15	339	64	275	0	2	-6.5	39.5	-22	O 52 +12.5

All Games Avg (1 games)		37.0	-	-	15.0	339	64	275	0.0	2.0	-6.5	39.5	-22.0 +15.5	O 52.0 +12.5

Algorithm	Model Side
DVOA ZScores Normalized DVOA comparision.	Neutral
Basic Stats 8-feature regression.	Neutral
Luck Regression Looking at things like int, fumbles, etc.	Neutral
ATS Analysis 2-feature logistic regression.	Neutral
Cover Summary	No Bet
OVERALL	No Spread Edge \| No Total Edge

NFL Matchups: Predictions, Odds & Betting Trends

Mon, 11/24, Final: 9 – 20 Carolina Panthers @ San Francisco 49ers window.TMB_PAGE_CONTEXT = { page: 'matchup', sport: "nfl", away_team: "Carolina Panthers", home_team: "San Francisco 49ers", game_date: "2025-11-24" };

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Injury Report CARNo report SFNo report

Notes

Panthers

Situational Factor(s)

49ers

Situational Factor(s)

Model Side

Model Total

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Algorithm Breakdown

Filters

Schedules

Panthers Schedule Follow global filters

49ers Schedule Follow global filters

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Records

Notable Trends

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49ers (Home)

Panthers (Away)

Historical Matchups (Last 3 Seasons, Max 10) Follow global filters

Mon, 11/24, Final: 9 – 20
Carolina Panthers @ San Francisco 49ers