YEARLY HIGH
0.1110 HRK
YEARLY LOW
0.1046 HRK
YEARLY AVERAGE
0.1077 HRK

2026 PHP to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the PHP to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 1, valuing the pair at 0.1110. Conversely, the yearly low was recorded on April 30, dropping to 0.1046.

This high-to-low spread represents a total annual volatility of 0.0063 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1086 to the December average rate of 0.1071, the exchange rate registered a net change of -1.33% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.1110 was down 12.27% compared to the 2025 peak of 0.1265, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 250,000 PHP based on timing:

Yearly Peak High 27,747 HRK
2025 Average 29,044 HRK
Yearly Trough Low 26,160 HRK
Transaction Impact: A difference of 1,586.91 HRK purely based on transaction execution date.

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0.1100
0.1047
JanuMarcMayJuly

PHP to HRK Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.1078, compared to 0.1071 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.1078
H2 Avg (Jul–Dec) 0.1071

Volatility Range Comparison

Volatility

The most volatile month in 2026 was April, with a trading range of 0.0041 HRK (High: 0.1087 / Low: 0.1046). On the other end, May was the most stable month, with a tight range of 0.0005 HRK (High: 0.1054 / Low: 0.1049).

April Spread (Volatile) Âą0.0041
May Spread (Stable) Âą0.0005

Growth Streaks & Declines

Trends

Between May and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0024 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0024

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 0.1095) against the same month in 2025 (average: 0.1216), the exchange rate shifted by -0.0121 (-9.95%).

2026 Avg (March) 0.1095
2025 Avg (March) 0.1216

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Month High Low Average
January 0.1095 0.1066 0.1086
February 0.1110 0.1079 0.1095
March 0.1110 0.1075 0.1095
April 0.1087 0.1046 0.1071
May 0.1054 0.1049 0.1051
June 0.1083 0.1047 0.1070
July 0.1074 0.1067 0.1071