2026 HNL to CDF Historical Review

YEARLY HIGH

87.7672 CDF

YEARLY LOW

80.3166 CDF

YEARLY AVERAGE

85.8654 CDF

2026 HNL to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HNL to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on April 28, valuing the pair at 87.7672. Conversely, the yearly low was recorded on February 25, dropping to 80.3166.

This high-to-low spread represents a total annual volatility of 7.4505 CDF. From a start-to-finish perspective, comparing the January average rate of 85.5731 to the December average rate of 85.3294, the exchange rate registered a net change of -0.28% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 87.7672 was down 22.74% compared to the 2025 peak of 113.5987, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HNL based on timing:

Yearly Peak High 438,836 CDF

2025 Average 524,151 CDF

Yearly Trough Low 401,583 CDF

Transaction Impact: A difference of 37,252.67 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

87.2310

85.0173

JanuMarcMayJuly

HNL to CDF 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 85.9659, compared to 85.5638 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.4021 points.

H1 Avg (Jan–Jun) 85.9659

H2 Avg (Jul–Dec) 85.5638

Volatility Range Comparison

Volatility

The most volatile month in 2026 was February, with a trading range of 7.0181 CDF (High: 87.3347 / Low: 80.3166). On the other end, August was the most stable month, with a tight range of 0.3628 CDF (High: 85.4636 / Low: 85.1008).

February Spread (Volatile) ±7.0181

August Spread (Stable) ±0.3628

Growth Streaks & Declines

Trends

Between February and April, 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 April and May, when the average rate fell by 1.1042 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -1.1042

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2026: 87.0465) against the same month in 2025 (average: 112.3381), the exchange rate shifted by -25.2916 (-22.51%).

2026 Avg (April) 87.0465

2025 Avg (April) 112.3381

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	87.6358	81.6423	85.5731
February	87.3347	80.3166	85.2018
March	87.6302	81.6595	85.7656
April	87.7672	86.4337	87.0465
May	87.1525	85.2831	85.9424
June	86.8368	84.6786	86.2659
July	86.3135	83.9874	85.7982
August	85.4636	85.1008	85.3294