The last time the digital currency was trading around these levels was in November 2024.
The crypto markets have been in rough shape in recent months, with no clearer example of that than the performance of XRP (XRP 0.14%), one of the most valuable cryptocurrencies in the world. It’s taken just half a year for digital currency to lose more than half of its value.
On Monday, it was trading at less than $1.50. The last time it was trading far lower than that was before the presidential election back in 2024. At that time, however, the cryptocurrency was surging in value rather than plummeting. There was plenty of excitement in the crypto world, which now appears to have faded.
But with XRP’s potential to transform global finance, could now be a great time to add this leading cryptocurrency to your portfolio?
Image source: Getty Images
A steep fall since July
In July of last year, XRP was rising sharply and reached an all-time high of $3.65. It was rallying for months as the excitement from President Trump’s 2024 election win fueled expectations of broad crypto reform, lifting XRP and other cryptocurrencies in the process. And the Securities and Exchange Commission was also in the midst of settling its lawsuit against Ripple Labs, the company behind XRP. As a result, investor sentiment was high.
Since then, however, there has been a fairly persistent decline in value for XRP that has spanned several months. There hasn’t been one major catalyst or sell-off that has been responsible for the cryptocurrency’s decline, and it’s instead been a gradual decline in value. Even the recent approval of spot XRP exchange-traded funds hasn’t been enough of a reason to spark a rally in the cryptocurrency, which isn’t a good sign.
The recent sell-off may suggest that XRP isn’t as much of a mainstream cryptocurrency investment as Bitcoin is, which has declined a bit more modestly over the past six months — it’s down around 40%.
XRP is still a highly speculative asset to own
The problem with XRP is that, like with all other speculative assets, its price ultimately comes back down to investor expectations. And the cryptocurrency’s initial surge after President Trump’s election win may have set those expectations far too high.
While the government has taken a favorable stance on crypto, that hasn’t resulted in a surge in demand for XRP. And while there is the hope that it can play a significant role in transforming global payments and bringing down transaction fees, there’s simply no guarantee that it will play out the way XRP investors may hope. XRP is by no means a bargain, even with its recent decline, and it could still go lower this year.
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 $443,299!* Or when Nvidia made this list on April 15, 2005… if you invested $1,000 at the time of our recommendation, you’d have $1,136,601!*
Now, it’s worth noting Stock Advisor’s total average return is 914% — a market-crushing outperformance compared to 195% for the S&P 500.
Originally written by: David Jagielski, CPA
Source: The Motley Fool
Published on: 9 February 2026
Link to original article: XRP Is Down More Than 50% in 6 Months. Has It Become a Bargain Buy?
