Mastercard reported strong fourth-quarter earnings for 2024, exceeding analysts' expectations with a net income of $3.3 billion and diluted earnings per share (EPS) of $3.64. The company achieved an adjusted net income of $3.5 billion and an adjusted diluted EPS of $3.82, surpassing the estimated EPS of $3.69. Total net revenue for the quarter reached $7.5 billion, marking a 14% increase year-over-year, or 16% on a currency-neutral basis, also exceeding the forecast of $7.39 billion. Mastercard's purchase volume for the quarter was $2.11 trillion, in line with estimates. The company noted robust spending trends, with U.S. growth accelerating to 10% in January, up from 9% in the previous quarter. Cross-border spending also showed strong performance, increasing by 20% in Q4. Following the earnings announcement, Mastercard's stock rose approximately 4%, reaching new all-time highs, reflecting positive market sentiment towards the company and its diversified revenue streams.