2026 HRK to GEL Historical Review

YEARLY HIGH

0.4300 GEL

YEARLY LOW

0.3955 GEL

YEARLY AVERAGE

0.4112 GEL

2026 HRK to GEL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to GEL exchange rate experienced significant fluctuation. The market reached its absolute peak on January 27, valuing the pair at 0.4300. Conversely, the yearly low was recorded on July 28, dropping to 0.3955.

This high-to-low spread represents a total annual volatility of 0.0345 GEL. From a start-to-finish perspective, comparing the January average rate of 0.4194 to the December average rate of 0.4001, the exchange rate registered a net change of -4.58% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.4300 was up 0.89% compared to the 2025 peak of 0.4262, 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 2,150 GEL

2025 Average 2,053 GEL

Yearly Trough Low 1,977 GEL

Transaction Impact: A difference of 172.41 GEL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.4233

0.3964

JanuMarcMayJuly

HRK to GEL 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 0.4151, compared to 0.3994 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0157 points.

H1 Avg (Jan–Jun) 0.4151

H2 Avg (Jul–Dec) 0.3994

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0157 GEL (High: 0.4300 / Low: 0.4143). On the other end, August was the most stable month, with a tight range of 0.0019 GEL (High: 0.4010 / Low: 0.3991).

January Spread (Volatile) ±0.0157

August Spread (Stable) ±0.0019

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 0.0076 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0076

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 0.4194) against the same month in 2025 (average: 0.3901), the exchange rate shifted by +0.0292 (+7.49%).

2026 Avg (January) 0.4194

2025 Avg (January) 0.3901

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4300	0.4143	0.4194
February	0.4250	0.4173	0.4210
March	0.4209	0.4075	0.4154
April	0.4216	0.4102	0.4171
May	0.4169	0.4106	0.4126
June	0.4126	0.3982	0.4050
July	0.4007	0.3955	0.3987
August	0.4010	0.3991	0.4001