Mastercard (MA) reports sales growth and strong consumer spending in fourth-quarter earnings. Oil refinery Phillips 66 (PSX) tops fourth-quarter profit expectations. Lastly, SoFi Technologies (SOFI) was downgraded to Underweight by Morgan Stanley analysts. For more expert insight and the latest market action, click here to watch this full episode of Yahoo Finance Live. Editor's note: This article was written by Luke Carberry Mogan.