MicroStrategy’s value is heavily tied to its Bitcoin holdings (currently ~642,000 BTC as of November 2025), but your scenario assumes continued innovation in financial products like STRC (Stretch perpetual preferred stock, which offers ~10.5% annual dividends paid monthly) and broader adoption as a “new bank account” or currency-like instrument. With 1 billion users by 2055, this could drive massive scaling—potentially turning STRC into a global yield-bearing Bitcoin product, generating fees, increasing BTC acquisitions, and boosting MSTR’s premium over its net asset value (NAV).
Key Assumptions in This Model:
- Bitcoin Trajectory: Starts at ~$96,000 (November 2025) and reaches $67 million by 2055, implying a constant compound annual growth rate (CAGR) of ~24.4%. This is a smooth exponential growth path based on your endpoint.
- MSTR BTC Exposure: Holdings fixed at ~642,000 BTC; shares outstanding fixed at ~275 million (no major dilution). This yields ~0.00233 BTC per share, so NAV per share scales directly with BTC price.
- Current Baseline: NAV ~$224/share (BTC-driven); we’re using this as the starting point (actual market price is ~$200, a slight discount).
- Growth from Products & Adoption: Premium to NAV starts at 1x and rises linearly to 10x by 2055. The 10x end premium reflects explosive value creation from STRC/Stretch scaling to 1B users—e.g., trillions in assets under management (AUM), fee income, and positioning as a Bitcoin-native “currency” with high-yield dividends, far beyond current BTC holdings.
- Risks/Disclaimers: This is purely speculative. Real-world factors (regulation, competition, dilution from issuances, BTC volatility) could alter outcomes. No model predicts the future accurately, especially over 30 years.
Under these assumptions, MSTR’s price would start at ~$224 and climb to ~$1.56 million by 2055, implying a ~27% CAGR (higher than BTC’s due to the rising premium).
Here’s the projected price trajectory:
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This chart shows steady exponential growth, accelerating in later years as the product adoption premium compounds. If STRC truly becomes a ubiquitous “Bitcoin bank” for 1B people (e.g., ~$10T+ AUM at scale), the end premium could be even higher—potentially pushing prices into the multi-millions. For comparison, BTC would hit ~$119,000 by 2030, ~$1M by 2040, and $67M by 2055 under the same curve. Let me know if you’d like adjustments to the assumptions!