2026 MAD to HRK Historical Review

YEARLY HIGH

0.7112 HRK

YEARLY LOW

0.6877 HRK

YEARLY AVERAGE

0.7006 HRK

2026 MAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the MAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on June 6, valuing the pair at 0.7112. Conversely, the yearly low was recorded on April 7, dropping to 0.6877.

This high-to-low spread represents a total annual volatility of 0.0235 HRK. From a start-to-finish perspective, comparing the January average rate of 0.7006 to the December average rate of 0.7014, the exchange rate registered a net change of 0.11% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.7112 was down 2.82% compared to the 2025 peak of 0.7318, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,556 HRK

2025 Average 3,572 HRK

Yearly Trough Low 3,438 HRK

Transaction Impact: A difference of 117.66 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.7068

0.6930

JanuMarcMayJuly

MAD to HRK 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 0.6997, compared to 0.7035 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0038 points.

H1 Avg (Jan–Jun) 0.6997

H2 Avg (Jul–Dec) 0.7035

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.0145 HRK (High: 0.7046 / Low: 0.6901). On the other end, August was the most stable month, with a tight range of 0.0004 HRK (High: 0.7016 / Low: 0.7012).

March Spread (Volatile) ±0.0145

August Spread (Stable) ±0.0004

Growth Streaks & Declines

Trends

Between April and June, 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 March and April, when the average rate fell by 0.0043 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0043

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2026: 0.7057) against the same month in 2025 (average: 0.7158), the exchange rate shifted by -0.0101 (-1.42%).

2026 Avg (June) 0.7057

2025 Avg (June) 0.7158

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7047	0.6910	0.7006
February	0.6998	0.6928	0.6965
March	0.7046	0.6901	0.6984
April	0.6983	0.6877	0.6942
May	0.7050	0.6948	0.7027
June	0.7112	0.7017	0.7057
July	0.7074	0.7004	0.7056
August	0.7016	0.7012	0.7014