At the time of this writing, XRP has many fans. It might reach new ATHs if momentum continues to increase. There are now talks of adding smart contracts into the XRP Ledger (CTO David Schwarz said so), so you can see where this is heading to. Centralized "shitcoins" will continue to take the spotlight, while truly-decentralized coins are left behind in the dust (except Bitcoin). Many things can happen in the future. Better be prepared for the worse, just in case.
After the lawsuit between them and the SEC ended, they became stronger than ever and whether we like it or not, the truth is that XRP is becoming a giant of the crypto industry. They are growing by connecting with governments, banks...and I wouldn't be surprised to see an XRP ETF launch this year or hit new ATHs.
Ripple is not a cryptocurrency in any traditional sense, it is a centralized digital coin that is operated by a centralized company. It is completely different than Bitcoin or most altcoins. The reason that you find it at all on Coingecko and CMC is because of financial interests. It is not part of the crypto industry at all actually.