Brock Purdy said Merry Christmas to every 49ers bettor in America last night. The San Francisco quarterback threw a career-high five touchdown passes as the Niners absolutely demolished the Indianapolis Colts 48-27 on Monday Night Football, covering the spread with ease and clinching a playoff spot in the process.

If you had the 49ers -4.5, congratulations. If you had the over 46.5, you're eating good this holiday week.

The Quick Hit

• Final score: 49ers 48, Colts 27
• The spread: 49ers closed at -4.5, covered by 16.5 points
• The total: Over/under was 46.5, final combined score was 75 (OVER)
• Purdy's line: 25/34, 295 yards, 5 TDs, 0 INTs

Purdy Cooked Like It Was Thanksgiving

Brock Purdy was absolutely surgical against the Colts secondary. Five touchdowns. Zero interceptions. A passer rating that probably broke whatever calculator the stat guys were using.

His first three TDs came in the first half, giving San Francisco a commanding 27-13 lead at the break. The Colts had no answer for the Niners' passing attack, and Purdy made them pay on nearly every drive.

Christian McCaffrey was his usual self — 21 carries for 117 yards on the ground, plus 6 catches for 29 yards and 2 touchdowns. George Kittle added 7 receptions for 115 yards and a score. This offense was firing on all cylinders.

Philip Rivers' Return Ends in Disaster

Philip Rivers made his second start since coming out of retirement, and it... did not go well. The veteran went 14-of-21 for 277 yards with 2 touchdowns, but his final pass of the night was picked off by Dee Winters, who took it 74 yards to the house for a pick-six that put the final nail in the coffin.

That's not how you want your Indianapolis homecoming to end. Rivers played well enough to keep the Colts in striking distance for a while, but the 49ers defense tightened up when it mattered most.

What This Means for the Playoffs

San Francisco improves to 11-4 and has now won five straight games. They were already in a strong playoff position, but this win locks up a postseason berth and keeps them in the hunt for the NFC West title and potentially the conference's top seed.

The 49ers are 9-5 ATS this season and have been one of the more reliable covers in the league when favored. Monday night was a perfect example of why sharps love this team — they don't just win, they win by more than you expect.

Betting Takeaways

If you faded the Niners because "road favorites on Monday night rarely cover big," welcome to the exception that proves the rule. San Francisco came out motivated, Purdy was dialed in, and the Colts couldn't keep pace.

The over cashed with room to spare. 75 combined points when the total was set at 46.5? That's not just hitting the over — that's destroying it.

The Bottom Line

Brock Purdy just had the best game of his career on the biggest stage of the week. Five touchdowns, a playoff berth, and a decisive cover. If you're still doubting this 49ers team, I don't know what to tell you.

They're legitimate Super Bowl contenders, and last night was a reminder of exactly why.