2026 HRK to PEN Historical Review

YEARLY HIGH

0.5457 PEN

YEARLY LOW

0.5118 PEN

YEARLY AVERAGE

0.5242 PEN

2026 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on May 2, valuing the pair at 0.5457. Conversely, the yearly low was recorded on June 24, dropping to 0.5118.

This high-to-low spread represents a total annual volatility of 0.0338 PEN. From a start-to-finish perspective, comparing the January average rate of 0.5229 to the December average rate of 0.5176, the exchange rate registered a net change of -1.01% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.5457 was down 4.07% compared to the 2025 peak of 0.5688, 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 2,728 PEN

2025 Average 2,674 PEN

Yearly Trough Low 2,559 PEN

Transaction Impact: A difference of 169.21 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.5351

0.5134

JanuMarcMayJuly

HRK to PEN 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 0.5268, compared to 0.5164 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0104 points.

H1 Avg (Jan–Jun) 0.5268

H2 Avg (Jul–Dec) 0.5164

Volatility Range Comparison

Volatility

The most volatile month in 2026 was April, with a trading range of 0.0222 PEN (High: 0.5448 / Low: 0.5227). On the other end, August was the most stable month, with a tight range of 0.0016 PEN (High: 0.5185 / Low: 0.5169).

April Spread (Volatile) ±0.0222

August Spread (Stable) ±0.0016

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0092 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0092

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2026: 0.5295) against the same month in 2025 (average: 0.5487), the exchange rate shifted by -0.0192 (-3.49%).

2026 Avg (May) 0.5295

2025 Avg (May) 0.5487

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5340	0.5173	0.5229
February	0.5304	0.5231	0.5267
March	0.5372	0.5187	0.5278
April	0.5448	0.5227	0.5333
May	0.5457	0.5256	0.5295
June	0.5312	0.5118	0.5203
July	0.5177	0.5128	0.5152
August	0.5185	0.5169	0.5176