Arizona Cardinals vs San Francisco 49ers prediction and analysis

November 14, 2025
NFL Betting Predictions
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Game Context

The San Francisco 49ers (6-4) travel to State Farm Stadium to face the Arizona Cardinals (3-6) on Sunday, November 16. The market currently lists the Cardinals as a short home underdog (+3) with an over/under around 48.5. Both clubs are coming off heavy defeats — San Francisco dropped a 42-26 decision to the Chargers, while Arizona was beaten 44-22 by Seattle — which sets up an intriguing spot for line movement and situational angles.

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Key Factors to Watch

  • Quarterback situation and continuity: San Francisco has split snaps between Mac Jones and Brock Purdy this season; Purdy has been limited by a lingering toe issue and has only two games logged. Mac Jones has produced steady volume but is not a high-ceiling playmaker. Arizona has leaned on Jacoby Brissett and Kyler Murray at different times, giving the offense alternate looks but limited consistency.
  • Offensive balance — 49ers advantage: Christian McCaffrey sits as the clear matchup-winner for San Francisco, leading the team in both rushing and receiving impact. The 49ers’ ability to ride McCaffrey and create mismatches in both the run game and short passing game should press the Cardinals’ linebackers and nickel coverage.
  • Playmakers on the perimeter: Arizona’s Trey McBride and Marvin Harrison Jr. give the Cardinals reliable targets, and they’ll be tasked with exploiting any soft spots in the 49ers’ secondary. San Francisco counters with multiple receiving threats — Kendrick Bourne, Jauan Jennings and others — so this could become a high-volume passing matchup.
  • Pressure and pass rush: The Cardinals have generated pressure this season (Josh Sweat and Calais Campbell accounting for meaningful sack totals), while the 49ers haven’t posted standout team sack numbers. If Arizona can get to the quarterback early it creates turnovers and short-field scoring opportunities, which matters in a close spread.
  • Situational and historical trends: The 49ers have covered in several games following losses this season and have won their recent bounce-backs. Arizona has been competitive at home but struggles against teams with winning records. Totals at State Farm and recent games for both clubs have trended toward the over.

How the Game is Likely to Unfold

San Francisco’s best path to victory is to control tempo with McCaffrey and keep Arizona’s pass rush from dictating down-and-distance. If the 49ers can sustain drives and convert third downs, they’ll force Arizona into longer possessions and neutralize momentum swings. Arizona’s offense will lean on Brissett’s steadiness and the emergence of Harrison Jr. and McBride to create chunk plays, but turnovers and penalties have been a limiting factor.

Defensively, San Francisco must improve tackling and pass coverage; their sack and takeaway numbers are relatively low. The Cardinals will try to manufacture pressure and make the 49ers one-dimensional. Special teams and situational coaching decisions (clock management, fourth-down calls) could sway a one-score affair.

Betting Angles and Recommendation

From a market perspective, this line is tight for a reason: both teams have flaws and both can produce points. I lean to the 49ers on the spread because of three practical edges: (1) superior weaponry in Christian McCaffrey and a deeper receiving corps; (2) San Francisco’s proven ability to respond after losses; and (3) Arizona’s inconsistency on offense and recent defensive lapses against quality opponents.

Total lean: The trends push me toward the OVER 48.5. State Farm games and both clubs’ recent matchups have favored more scoring, and with quarterbacks frequently under pressure, short-field scores and garbage-time points are probable.

Prediction Summary

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Expect a competitive, moderately high-scoring game in the desert. The 49ers’ depth on offense and McCaffrey’s two-way impact should win the day in a close playoff-style contest. I think San Francisco covers and likely wins outright if they avoid a sluggish start and minimize turnovers.

Final projected score: San Francisco 30, Arizona 24

Prediction: San Francisco 49ers -3