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Expert prediction

NFL Week 16: San Francisco 49ers vs. Indianapolis Colts Preview, Odds, Picks (Dec 22)

  • Nikola Velickovic
  • Dec 18, 2025 at 4:06 AM EST

Pick rationale

Analysis & key factors

  • 49ers vs. Colts total is 46.5 points.
  • Philip Rivers again starts for the Colts.
  • San Francisco 49ers are 5-1 ATS in the last 6 games.

Both teams have to win, as they find themselves in a very tough playoff race. The Colts are in trouble, having lost 4 in a row, while the Niners come to town with the same number of consecutive wins.

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How to Watch

  • When: Monday, December 22, 8:15 pm ET
  • Where: Lucas Oil Field, Indianapolis, Indiana
  • How to Watch: ESPN

49ers vs. Colts Odds

TeamMoneylineSpreadTotals
49ers-305-646.5
Colts+245+646.5

Game Preview

With 4 wins in a row, the Niners are still in contention for the NFC West title and the NFC No.1 seed. Their schedule was a bit more favorable, with Shanahan’s boys facing teams like the Cardinals, Panthers, Browns, and the Titans.

They won all the matches without any problems, practically in routine fashion, and the fact that they are 5-1 ATS during those 6 matches speaks for itself.

As for the Colts, Philip Rivers started in Seattle, and the Colts almost won. It was 18-16 for the Seahawks, who won on a late field goal and failed to score a single touchdown. Nevertheless, this was the Colts’ 4th straight loss.

Rivers had 120 passing yards, one touchdown, and one intercepted pass. Though what was the problem here was the run game, which accumulated only 102 yards on the ground, Jonathan Taylor had 87 on 25 carries.

49ers vs. Colts Head to Head

In 46 matches, the Colts had 27 wins and the Niners 19. Indianapolis won the last 5 games.

49ers vs. Colts Predictions

San Francisco is a better team now, in better shape with more offensive solutions, and that’s why they’re going to win in Indianapolis. Furthermore, we take them to cover a 6-point spread.

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