The Carolina Panthers (6-5) visit the San Francisco 49ers (7-4) at Levi’s Stadium in Santa Clara for a Week 12 showdown, and USA TODAY’s panel of NFL experts have locked in their picks and predictions for the action. Here’s everything you need to know before kickoff on Monday, November 24, including live updated odds and injury report news.

NameWeek 102025 SeasonJon Hoefling7-884-77-3Blake Schuster11-483-65-3Tyler Dragon6-982-79-3Chris Bumbaca11-478-83-3Lorenzo Reyes6-977-86-3Jordan Mendoza7-864-68-2Richard MorinN/A25-12-149ers vs. Panthers live odds, moneyline, over/under

Opening Lines

Spread: 49ers (-7)Moneyline: 49ers (-325), Panthers (+250)Over/Under: 46.5

Get the edge with our exclusive NFL betting picks

49ers vs. Panthers picks against the spreadJon Hoefling: Carolina Panthers (+7)

Since starting the year 3-0, the Niners have traded wins and losses every week. I don’t think the shift starts now. Expect Rico Dowdle to tear this weak 49ers defense apart. Without timely turnovers, this 49ers defense struggles to make stops.

Jordan Mendoza: Carolina Panthers (+7)

How does Bryce Young follow up a historic outing? San Francisco definitely has the weapons to beat the Panthers, but not by a lot.

Lorenzo Reyes: San Francisco 49ers (-7)

The Niners looked great with Brock Purdy back in the lineup. The Panthers did beat the Falcons, but I think going on the road to Santa Clara is a far tougher prospect.

Tyler Dragon: San Francisco 49ers (-7)

Bryce Young and the Panthers have played surprisingly well this season. I’m excited to see how they perform under the bright lights. The injury-riddled 49ers have found ways to win all season.

Blake Schuster: Carolina Panthers (+7)

Laugh all you want, but Carolina is 4-1 ATS on the road and keeps surprising teams.

Christopher Bumbaca: San Francisco 49ers (-7)

Do the Panthers have an answer for Christian McCaffrey? Between that and the coaching advantage belonging to San Francisco, I think they cover the number.

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