2026 HRK to SBD Historical Review

YEARLY HIGH

1.2888 SBD

YEARLY LOW

1.2145 SBD

YEARLY AVERAGE

1.2429 SBD

2026 HRK to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HRK to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 27, valuing the pair at 1.2888. Conversely, the yearly low was recorded on June 25, dropping to 1.2145.

This high-to-low spread represents a total annual volatility of 0.0743 SBD. From a start-to-finish perspective, comparing the January average rate of 1.2645 to the December average rate of 1.2368, the exchange rate registered a net change of -2.19% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 1.2888 was down 1.34% compared to the 2025 peak of 1.3062, 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 6,444 SBD

2025 Average 6,231 SBD

Yearly Trough Low 6,073 SBD

Transaction Impact: A difference of 371.25 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

1.2686

1.2190

JanuMarcMayJuly

HRK to SBD 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 1.2472, compared to 1.2300 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0172 points.

H1 Avg (Jan–Jun) 1.2472

H2 Avg (Jul–Dec) 1.2300

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0382 SBD (High: 1.2888 / Low: 1.2506). On the other end, August was the most stable month, with a tight range of 0.0002 SBD (High: 1.2369 / Low: 1.2367).

January Spread (Volatile) ±0.0382

August Spread (Stable) ±0.0002

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 0.0291 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0291

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 1.2645) against the same month in 2025 (average: 1.1583), the exchange rate shifted by +0.1062 (+9.17%).

2026 Avg (January) 1.2645

2025 Avg (January) 1.1583

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.2888	1.2506	1.2645
February	1.2726	1.2573	1.2635
March	1.2557	1.2200	1.2344
April	1.2613	1.2281	1.2477
May	1.2511	1.2382	1.2434
June	1.2413	1.2145	1.2295
July	1.2346	1.2174	1.2232
August	1.2369	1.2367	1.2368