2026 HNL to STD Historical Review

YEARLY HIGH

851.2654 STD

YEARLY LOW

828.7819 STD

YEARLY AVERAGE

838.3755 STD

2026 HNL to STD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HNL to STD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 24, valuing the pair at 851.2654. Conversely, the yearly low was recorded on July 11, dropping to 828.7819.

This high-to-low spread represents a total annual volatility of 22.4835 STD. From a start-to-finish perspective, comparing the January average rate of 843.7120 to the December average rate of 832.1755, the exchange rate registered a net change of -1.37% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 851.2654 was down 3.31% compared to the 2025 peak of 880.3640, 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 4,256,327 STD

2025 Average 4,282,743 STD

Yearly Trough Low 4,143,909 STD

Transaction Impact: A difference of 112,417.38 STD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

844.8656

831.0219

JanuMarcMayJuly

HNL to STD 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 839.4088, compared to 832.1755 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 7.2333 points.

H1 Avg (Jan–Jun) 839.4088

H2 Avg (Jul–Dec) 832.1755

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 10.7599 STD (High: 851.2654 / Low: 840.5054). On the other end, May was the most stable month, with a tight range of 1.9749 STD (High: 839.0072 / Low: 837.0323).

January Spread (Volatile) ±10.7599

May Spread (Stable) ±1.9749

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2026. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 3.7755 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -3.7755

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 843.7120) against the same month in 2025 (average: 874.8263), the exchange rate shifted by -31.1143 (-3.56%).

2026 Avg (January) 843.7120

2025 Avg (January) 874.8263

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	851.2654	840.5054	843.7120
February	845.2297	838.4159	842.2189
March	846.3429	837.7434	840.5811
April	840.6822	835.1231	837.7263
May	839.0072	837.0323	837.9951
June	838.3216	832.0639	834.2196
July	836.9481	828.7819	832.1755