Wall Street RegretsThe regret calculator.

What if you'd held FMS?

A $1,000 investment in Fresenius Medical Care AG American Depositary Shares (Each representing 1/2 of an Ordinary Share) (FMS) at the month-end close of 1996-09 would be worth $3,344 at the close of 2026-08 — +234.4% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $11,214.

$1,000 since 1996$3,344Total return+234.4%Multiple3.3×CAGR+4.1%

Your scenario

Dates resolve to the nearest month-end close.
Leave empty for "held until today".
Invested at each month-end. Starts on the buy date.

Result

Worth$3,344Gain+$2,344 (+234.4%)Multiple3.3×CAGR+4.1%

    If you'd bought $1,000 at the start of each year

    Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.

    2000$2,6852001$2,7792002$3,7432003$5,3572004$3,0962005$2,6402006$1,9852007$1,5462008$1,2862009$1,4162010$1,2352011$1,1172012$9352013$9152014$8692015$8202016$7202017$7072018$5612019$9002020$7782021$6782022$8512023$1,6502024$1,2612025$1,1272026$1,041

    Every year, $1,000 from 1996

    YearValue of $1,000Year return
    1996$1,000
    1997$774-22.6%
    1998$842+8.8%
    1999$1,030+22.3%
    2000$995-3.4%
    2001$739-25.8%
    2002$516-30.1%
    2003$893+73.0%
    2004$1,048+17.3%
    2005$1,393+33.0%
    2006$1,789+28.4%
    2007$2,151+20.2%
    2008$1,954-9.2%
    2009$2,239+14.6%
    2010$2,477+10.6%
    2011$2,957+19.4%
    2012$3,023+2.2%
    2013$3,181+5.2%
    2014$3,374+6.1%
    2015$3,840+13.8%
    2016$3,913+1.9%
    2017$4,926+25.9%
    2018$3,074-37.6%
    2019$3,555+15.6%
    2020$4,078+14.7%
    2021$3,251-20.3%
    2022$1,676-48.4%
    2023$2,194+30.9%
    2024$2,455+11.9%
    2025$2,657+8.2%
    2026$2,766+4.1%

    Best and worst month-end to buy

    The best single month-end close to have bought FMS was 2002-09 ($2.43): $1,000 then is $9,811 today. The worst was 2018-01 ($46.47): $1,000 then is $513.

    FAQ

    What would $1,000 in FMS be worth today?

    A $1,000 investment in Fresenius Medical Care AG American Depositary Shares (Each representing 1/2 of an Ordinary Share) (FMS) at the start of 1996 would be worth about $3,344 today, a total return of +234.4%. Dividends are reinvested in these figures.

    What were the best and worst years for FMS?

    Fresenius Medical Care AG American Depositary Shares (Each representing 1/2 of an Ordinary Share) (FMS)'s strongest calendar year since 1996 was 2003, a +73.0% return — $1,000 held through that year became about $1,730 by year-end. Its weakest year was 2022, at -48.4%.

    Does the calculator include dividends and splits?

    Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.

    How much would $100 per month in FMS have grown?

    Investing $100 at the end of every month since 1996-09 would have grown to about $64,158 on $36,000 invested.

    Did FMS beat the S&P 500?

    Over the same period, $1,000 in the S&P 500 index would be worth $11,214. FMS trailed the S&P 500 by +70.2% in total return.

    Is this investment advice?

    No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.

    Methodology

    Fresenius Medical Care AG American Depositary Shares (Each representing 1/2 of an Ordinary Share) (FMS) historical total-return data from 1996-09 to 2026-08, reduced to month-end closes for the tables above.

    Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.

    Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.

    Full methodology →

    What if you'd held…

    Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.