2026 HRK to JMD Historical Review

YEARLY HIGH

25.0349 JMD

YEARLY LOW

23.7361 JMD

YEARLY AVERAGE

24.2823 JMD

2026 HRK to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 27, valuing the pair at 25.0349. Conversely, the yearly low was recorded on June 25, dropping to 23.7361.

This high-to-low spread represents a total annual volatility of 1.2988 JMD. From a start-to-finish perspective, comparing the January average rate of 24.5821 to the December average rate of 24.1633, the exchange rate registered a net change of -1.70% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 25.0349 was down 1.03% compared to the 2025 peak of 25.2962, 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 125,174 JMD

2025 Average 119,405 JMD

Yearly Trough Low 118,681 JMD

Transaction Impact: A difference of 6,493.87 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

24.6426

23.9165

JanuMarcMayJuly

HRK to JMD 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 24.3530, compared to 24.0702 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.2829 points.

H1 Avg (Jan–Jun) 24.3530

H2 Avg (Jul–Dec) 24.0702

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.7496 JMD (High: 25.0349 / Low: 24.2853). On the other end, August was the most stable month, with a tight range of 0.0205 JMD (High: 24.1756 / Low: 24.1550).

January Spread (Volatile) ±0.7496

August Spread (Stable) ±0.0205

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 February and March, when the average rate fell by 0.4452 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.4452

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 24.5821) against the same month in 2025 (average: 21.5570), the exchange rate shifted by +3.0251 (+14.03%).

2026 Avg (January) 24.5821

2025 Avg (January) 21.5570

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	25.0349	24.2853	24.5821
February	24.8421	24.3106	24.5106
March	24.3470	23.7730	24.0655
April	24.7713	24.0306	24.4923
May	24.3814	24.3062	24.3500
June	24.4112	23.7361	24.1177
July	24.0874	23.7962	23.9770
August	24.1756	24.1550	24.1633