2026 HRK to NGN Historical Review

YEARLY HIGH

225.5871 NGN

YEARLY LOW

206.1362 NGN

YEARLY AVERAGE

211.7986 NGN

2026 HRK to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 225.5871. Conversely, the yearly low was recorded on July 29, dropping to 206.1362.

This high-to-low spread represents a total annual volatility of 19.4510 NGN. From a start-to-finish perspective, comparing the January average rate of 221.1292 to the December average rate of 208.5118, the exchange rate registered a net change of -5.71% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 225.5871 was down 7.99% compared to the 2025 peak of 245.1856, 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 1,127,936 NGN

2025 Average 1,141,639 NGN

Yearly Trough Low 1,030,681 NGN

Transaction Impact: A difference of 97,254.86 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

222.4313

206.8065

JanuMarcMayJuly

HRK to NGN 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 212.9615, compared to 208.3102 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 4.6512 points.

H1 Avg (Jan–Jun) 212.9615

H2 Avg (Jul–Dec) 208.3102

Volatility Range Comparison

Volatility

The most volatile month in 2026 was February, with a trading range of 9.4024 NGN (High: 219.0554 / Low: 209.6530). On the other end, August was the most stable month, with a tight range of 0.6463 NGN (High: 208.7972 / Low: 208.1508).

February Spread (Volatile) ±9.4024

August Spread (Stable) ±0.6463

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 January and February, when the average rate fell by 8.0470 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -8.0470

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 221.1292) against the same month in 2025 (average: 213.1251), the exchange rate shifted by +8.0041 (+3.76%).

2026 Avg (January) 221.1292

2025 Avg (January) 213.1251

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	225.5871	218.0710	221.1292
February	219.0554	209.6530	213.0822
March	215.5869	206.2459	211.2990
April	214.4567	209.1929	211.2075
May	214.0584	212.0173	212.4749
June	211.9022	206.7811	208.5758
July	209.5345	206.1362	208.1086
August	208.7972	208.1508	208.5118