Although we don't believe in timing the market or panicking over market movements, we do like to keep an eye on big changes -- just in case they're material to our investing thesis.

What: Shares of pre-paid debit card provider NetSpend Holdings (Nasdaq: NTSP) are spiking 12% following its better-than-expected fourth-quarter earnings results.

So what: For the quarter, NetSpend reported a profit of $0.13 on revenue of $76.8 million. This compares to Wall Street's expectation of $0.12 on revenue of $77.6 million. NetSpend projects that in fiscal 2012 it will earn in the range of $0.51 to $0.55 on revenue of $338 million to $347 million, which is in line with estimates.

Now what: The real story here is that the number of cardholders with direct deposit volume rose 20% and gross dollar volume jumped $300 million to $2.8 billion. There's a huge market for consumers with poor credit and NetSpend's results show they are well on their way to tapping a good portion of it. Following strong results from the entire credit services sector, I don't see any reason why NetSpend's good fortune won't continue.

Craving more input? Start by adding NetSpend Holdings to your free and personalized watchlist so you can keep up on the latest news with the stock.

Fool contributor Sean Williams has no material interest in any companies mentioned in this article. You can follow him on CAPS under the screen name TMFUltraLong, track every pick he makes under the screen name TrackUltraLong, and check him out on Twitter, where he goes by the handle @TMFUltraLong. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.