I found a similar question here on this site, but my question is slightly different. If a solar panel is exposed to sunlight but is not plugged in to anything--dc load, inverter, etc--where does that electricity go? In this example, I'm assuming the solar exposure is still freeing electrons, but where do they go?
2 Answers
where does that electricity go?
The photons from the sun have energy and momentum, but not "electricity".
Essentially, a photon (solar or otherwise) striking the solar panel can create an electron-hole pair (EHP) and, if the EHP is within or near the depletion zone, the pair will be separated by the built-in electric field.
This results in a separation of charge and with that, a voltage across the panel. If there is an external circuit connected, there will be an electric current through the circuit.

But, if there is no external circuit through which an electric current can circulate, the electric field due to the separated charge opposes further separation of charge; the generated electron-hole pairs simply recombine rather than separate.
Electric power is the product of voltage and current. If there is no external circuit, there can be no current and thus no electric power can be delivered by the panel, i.e., the "electricity" is never developed and thus, there is no need to consider "where it goes".
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Well assuming you are talking about a basic silicon diode solar panel, sans electronics, then the diode junctions will generate their usual open circuit Voltage, which for silicon, is around 650-700 mVolts per junction. But no current will flow, since it isn't connected to anything.
If you short circuited the panel, the terminal Voltage will be near zero, but a current will flow, linearly proportional to the solar irradiance of the cells. The generated power in both cases is essentially zero, since either I or V is zero.
At the optimum load resistance, the panel Voltage will be about 0.5 Volts per cell, so you would need more than 25 cells in series to charge a 12 Volt car battery. That half Volt point is about where most silicon cells generate the maximum power in the load resistance