What was Stellar's compound annual growth rate (CAGR) since 2020?

Stellar's CAGR from 2020 to September 2026 was 26.7% per year. For comparison, the S&P 500 has historically averaged around 10% annually. Stellar significantly outperformed traditional equity markets on an annualized basis.

How does Stellar compare to the S&P 500 since 2020?

The same $1,000 invested in an S&P 500 index fund in 2020 would be worth approximately $2,626.14 today. Stellar outperformed the index by $2,320.52 — 1.88x the return of the S&P 500.

How much of the Stellar gain would you keep after taxes?

Sold today, the $3,946.65 gain would be a long-term capital gain for US federal tax. At the 15% rate most people pay, you'd keep about $4,354.66. At the top rate of 23.8% (20% plus the 3.8% net investment income tax) you'd keep about $4,007.35, and lower incomes pay 0%. State tax is extra, and gains inside a Roth IRA aren't taxed.

What is the inflation-adjusted return on $1,000 in Stellar since 2020?

Adjusted for cumulative US inflation since 2020, the real purchasing-power value of the Stellar position is approximately $3,926.98 in 2020 dollars. Inflation shrinks the gain, but the investment still grew faster than prices.

How did Stellar perform in 2020?

Stellar rose 184% during 2020, from $0.0451 at the start of the year to $0.128 at the start of 2021.

What If You Invested $1,000 in Stellar in 2020?

Try your own numbers

If I had putintoat the start of…

it would be worth today

$4,947

+$3,947 profit4.95x26.7% a year

The same $1,000 in an S&P 500 index fund: $2,626

Aftertax on the gain, you’d keep$4,355

US federal long-term rates: 15% for most people, 0% on lower incomes, 20% + 3.8% on high incomes. No state tax included; none inside a Roth IRA.

Compare with

Growth Over Time

Performance Metrics

Total Invested

$1,000.00

Current Value

$4,946.65

Total Profit

$3,946.65

Multiplier

4.95x

CAGR

26.7%

Max Drawdown

-86.6%

Inflation-Adjusted

$3,926.98

Benchmark Comparison

How does $1,000.00 invested in 2020 compare across different asset classes?

Asset	Value Today	Return
Stellar	$4,946.65	4.95x
S&P 500	$2,626.14	2.63x
Gold	$2,769.41	2.77x
Savings (2% APY)	$1,142.91	1.14x

Back in 2020

In October 2020, Stellar became the third blockchain to officially support the USDC dollar stablecoin, aiming to strengthen its role in cross-border payments. coindesk.com
In 2020, a gallon of gas averaged $2.17 and the new iPhone 12 Pro started at $999. eia.gov apple.com
During 2020 itself, Stellar rose 184%, #14 of the 103 investments we track. The best was Tesla (+747%); the worst was AMC Entertainment (−73%). Full 2020 results →

$1,000 in Stellar, year by year

Of the 103 investments we track that were available at the start of 2020, Stellar ranks #26 by growth to today — just behind Google and ahead of Goldman Sachs. See the full 2020 ranking →

Stellar started 2020 87% below its start-of-2018 high, after falling 60% in 2019. It has been worth more than the $1,000 put in at every January since, and still is today. Its best January was 2025, at $7,352. Today it's 33% below that, so selling then would have beaten holding. It rose in 4 of the 6 full years since. It has been ahead of the same $1,000 in the S&P 500 at every January since, and still is. Month by month, the deepest fall ran from Apr 2021 ($11,773) to Dec 2022 ($1,582), a drop of 87%. At its lowest month-end, in Mar 2020, it was worth $908.13.

When	Worth	Change	S&P 500
Start of 2020	$1,000	—	$1,000
Start of 2021	$2,844	+184%	$1,184
Start of 2022	$5,926	+108%	$1,524
Start of 2023	$1,577	−73%	$1,248
Start of 2024	$2,857	+81%	$1,576
Start of 2025	$7,352	+157%	$1,970
Start of 2026	$4,448	−39%	$2,322
Today	$4,947	+11%	$2,626

Values at the start of each year (first trading day for stocks). The S&P 500 column includes reinvested dividends, like the stock values.

Historical Context

At the start of 2020, Stellar was priced at $0.0451. $1,000 would have bought about 22,163 XLM. Stellar is a payments network founded in 2014; its coin is XLM.

Measured from one January to the next, Stellar's best year since then was 2020 (+184%) and its worst was 2022 (−73%). Holding on wasn't easy: between the start of 2022 and the start of 2023, the position fell 73% from its high.

Frequently Asked Questions

A $1,000 investment in Stellar at the start of 2020 would be worth approximately $4,946.65 today — a 4.95x return ($3,946.65 profit) over 6.7 years.

Methodology & Sources

Price data: Historical prices are the January 1 opening price, from CoinGecko, CoinMarketCap and Yahoo Finance historical data. Current prices come from Yahoo Finance (CoinGecko as a backup) and refresh hourly; if that source is unavailable, the last saved price is used.

Calculation: Assumes a single purchase at the start of 2020 (or the first trading day, for companies that listed that year), held until today. No transaction fees, taxes, or slippage are included.

Benchmarks: The S&P 500 comparison uses the S&P 500 Total Return index (dividends reinvested, like an index fund) at the start of2020 and today. Gold uses the price per troy ounce. Savings account assumes a 2% APY compounded annually.

Inflation adjustment: Uses U.S. CPI-U annual averages from the Bureau of Labor Statistics. The 2026 CPI value is estimated.

Educational purposes only. Past performance does not guarantee future results. Not financial advice.