2026 HTG to NGN Historical Review

YEARLY HIGH

11.0456 NGN

YEARLY LOW

10.2263 NGN

YEARLY AVERAGE

10.4961 NGN

2026 HTG to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the HTG to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 11.0456. Conversely, the yearly low was recorded on February 18, dropping to 10.2263.

This high-to-low spread represents a total annual volatility of 0.8192 NGN. From a start-to-finish perspective, comparing the January average rate of 10.8443 to the December average rate of 10.4251, the exchange rate registered a net change of -3.87% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 11.0456 was down 14.75% compared to the 2025 peak of 12.9570, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HTG based on timing:

Yearly Peak High 55,228 NGN

2025 Average 58,154 NGN

Yearly Trough Low 51,132 NGN

Transaction Impact: A difference of 4,096.07 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

10.8924

10.3152

JanuMarcMayJuly

HTG 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 10.5070, compared to 10.4632 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0438 points.

H1 Avg (Jan–Jun) 10.5070

H2 Avg (Jul–Dec) 10.4632

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.4543 NGN (High: 11.0456 / Low: 10.5912). On the other end, May was the most stable month, with a tight range of 0.0281 NGN (High: 10.5017 / Low: 10.4736).

January Spread (Volatile) ±0.4543

May Spread (Stable) ±0.0281

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 0.4809 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.4809

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 10.8443) against the same month in 2025 (average: 11.8804), the exchange rate shifted by -1.0362 (-8.72%).

2026 Avg (January) 10.8443

2025 Avg (January) 11.8804

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	11.0456	10.5912	10.8443
February	10.6162	10.2263	10.3633
March	10.6723	10.3280	10.5113
April	10.5450	10.2438	10.3917
May	10.5017	10.4736	10.4865
June	10.5666	10.3884	10.4451
July	10.5702	10.3922	10.5013
August	10.4357	10.4013	10.4251