In recent years, the use of data-driven methods for predicting photovoltaic (PV) panel electricity generation has grown significantly, with most studies relying on databases of actual PV panel performance. This study introduces a comprehensive methodology for predicting the performance of photovoltaic-thermal (PVT) panels, specifically focusing on electricity generation, hot water production, and carbon reduction. By leveraging artificial intelligence (AI) and machine learning (ML) methods, particularly Artificial Neural Networks (ANN) and Random Forest (RF), this research differentiates itself from prior studies by integrating predictive models for both electrical and thermal outputs. Additionally, the study examines the effect of different installation patterns on PVT panel output. A total of 1,575 different installation configurations were modeled across three urban districts in Tehran, and the results were used to train the two ML algorithms, which were then compared using Pearson correlation coefficient (R²), Root-mean-square deviation (RMSE), and Mean Absolute Error (MAE) metrics. The RF algorithm demonstrated superior performance, achieving an R² accuracy of 0.91 and shorter learning time. Finally, a framework is proposed based on the findings and simulation steps for predicting electricity generation, hot water production, and carbon reduction of PVT systems.