2026 HRK to NAD Historical Review

YEARLY HIGH

2.6333 NAD

YEARLY LOW

2.4603 NAD

YEARLY AVERAGE

2.5288 NAD

2026 HRK to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 31, valuing the pair at 2.6333. Conversely, the yearly low was recorded on July 7, dropping to 2.4603.

This high-to-low spread represents a total annual volatility of 0.1730 NAD. From a start-to-finish perspective, comparing the January average rate of 2.5406 to the December average rate of 2.5203, the exchange rate registered a net change of -0.80% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 2.6333 was down 9.95% compared to the 2025 peak of 2.9243, 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 13,167 NAD

2025 Average 13,403 NAD

Yearly Trough Low 12,302 NAD

Transaction Impact: A difference of 865.11 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

2.5776

2.4830

JanuMarcMayJuly

HRK to NAD 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 2.5365, compared to 2.5056 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0309 points.

H1 Avg (Jan–Jun) 2.5365

H2 Avg (Jul–Dec) 2.5056

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.1635 NAD (High: 2.6333 / Low: 2.4698). On the other end, August was the most stable month, with a tight range of 0.0123 NAD (High: 2.5248 / Low: 2.5124).

March Spread (Volatile) ±0.1635

August Spread (Stable) ±0.0123

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 0.0379 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0379

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 2.5652) against the same month in 2025 (average: 2.6155), the exchange rate shifted by -0.0503 (-1.92%).

2026 Avg (March) 2.5652

2025 Avg (March) 2.6155

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.5832	2.5060	2.5406
February	2.5359	2.4856	2.5120
March	2.6333	2.4698	2.5652
April	2.6213	2.5399	2.5697
May	2.5918	2.5143	2.5317
June	2.5349	2.4664	2.4996
July	2.5412	2.4603	2.4909
August	2.5248	2.5124	2.5203