2026 HRK to CDF Historical Review

YEARLY HIGH

366.1004 CDF

YEARLY LOW

332.2278 CDF

YEARLY AVERAGE

352.4808 CDF

2026 HRK to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on January 27, valuing the pair at 366.1004. Conversely, the yearly low was recorded on February 25, dropping to 332.2278.

This high-to-low spread represents a total annual volatility of 33.8726 CDF. From a start-to-finish perspective, comparing the January average rate of 351.9797 to the December average rate of 348.2012, the exchange rate registered a net change of -1.07% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 366.1004 was down 19.53% compared to the 2025 peak of 454.9352, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,830,502 CDF

2025 Average 2,041,576 CDF

Yearly Trough Low 1,661,139 CDF

Transaction Impact: A difference of 169,362.78 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

360.2739

347.1037

JanuMarcMayJuly

HRK 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 353.1940, compared to 348.2012 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 4.9928 points.

H1 Avg (Jan–Jun) 353.1940

H2 Avg (Jul–Dec) 348.2012

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 32.6922 CDF (High: 366.1004 / Low: 333.4082). On the other end, July was the most stable month, with a tight range of 9.9410 CDF (High: 352.0332 / Low: 342.0921).

January Spread (Volatile) ±32.6922

July Spread (Stable) ±9.9410

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 April and May, when the average rate fell by 5.5722 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -5.5722

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 351.9797) against the same month in 2025 (average: 391.7959), the exchange rate shifted by -39.8162 (-10.16%).

2026 Avg (January) 351.9797

2025 Avg (January) 391.7959

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	366.1004	333.4082	351.9797
February	361.7024	332.2278	353.7757
March	356.9936	334.1467	348.7031
April	363.6249	352.3090	359.1764
May	360.9176	350.2126	353.6043
June	357.2835	342.6319	351.9250
July	352.0332	342.0921	348.2012