If You'd Invested $100 in XRP (Ripple) 5 Years Ago, Here's How Much You'd Have Today

XRP-USD +7.14% BTC-USD +6.48% ETH-USD +9.25% SOL-USD +9.98%

Key Points

• Despite the crypto downturn, XRP has still outperformed the market over the last five years.

• But most of its gains are from a rally after the 2024 presidential election.

• Proper risk management is crucial if you decide to invest in crypto.

• 10 stocks we like better than XRP ›

The crypto market has taken a steep plunge this quarter. Most of the big names, including Bitcoin, Ethereum, and Solana, have lost quite a bit of value since October.

XRP (CRYPTO: XRP), a cryptocurrency launched by blockchain payments company Ripple, hasn't been immune to the downturn. In fact, its decline started even earlier, in July. But if you zoom out, you can see that XRP has still been a winning investment recently.

XRP's performance over the last five years

XRP is up 260% over the last five years (as of Nov. 30). To put it another way, if you had invested $100 in XRP five years ago, your position would now be worth $360. A $100 investment in the S&P 500, on the other hand, would be worth $204, so XRP has outperformed the stock market.

While cryptocurrencies can sometimes deliver market-beating returns, there are a few important caveats. They're notoriously volatile and can go through extended bear periods. XRP is the perfect example. It may have better five-year returns than the S&P 500, but that's only because of a massive rally following the 2024 election of Donald Trump as president.

If you're going to invest in XRP or other cryptocurrencies, proper risk management is a must. Keep your position small relative to your investment portfolio as a whole -- up to 5% at most. Be prepared for the possibility that your investment could be in the red for months or years. And if your crypto holdings go on a good run, you may want to sell a portion to lock in some profits, considering how even popular cryptocurrencies can go through significant drops at a moment's notice.

Should you buy stock in XRP right now?

Before you buy stock in XRP, consider this:

The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and XRP wasn’t one of them. The 10 stocks that made the cut could produce monster returns in the coming years.

Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you’d have $588,530!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you’d have $1,102,885!*

Now, it’s worth noting Stock Advisor’s total average return is 1,012% — a market-crushing outperformance compared to 193% for the S&P 500. Don't miss the latest top 10 list, available with Stock Advisor, and join an investing community built by individual investors for individual investors.

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*Stock Advisor returns as of December 1, 2025

Lyle Daly has positions in Bitcoin, Ethereum, and Solana. The Motley Fool has positions in and recommends Bitcoin, Ethereum, Solana, and XRP. The Motley Fool has a disclosure policy.

If You'd Invested $100 in XRP (Ripple) 5 Years Ago, Here's How Much You'd Have Today was originally published by The Motley Fool