YEARLY HIGH
0.4118 PHP
YEARLY LOW
0.3963 PHP
YEARLY AVERAGE
0.4029 PHP

2026 NPR to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the NPR to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 14, valuing the pair at 0.4118. Conversely, the yearly low was recorded on February 24, dropping to 0.3963.

This high-to-low spread represents a total annual volatility of 0.0155 PHP. From a start-to-finish perspective, comparing the January average rate of 0.4073 to the December average rate of 0.4021, the exchange rate registered a net change of -1.28% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.4118 was down 3.91% compared to the 2025 peak of 0.4286, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,059 PHP
2025 Average 2,063 PHP
Yearly Trough Low 1,982 PHP
Transaction Impact: A difference of 77.26 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.4080
0.4001
JanuMarcMayJuly

NPR to PHP 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: JanтАУJun) was 0.4031, compared to 0.4021 in the second half (H2: JulтАУDec). This shows that the rate was stronger in the first half (JanтАУJun) by a margin of 0.0010 points.

H1 Avg (JanтАУJun) 0.4031
H2 Avg (JulтАУDec) 0.4021

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0140 PHP (High: 0.4118 / Low: 0.3978). On the other end, May was the most stable month, with a tight range of 0.0027 PHP (High: 0.4036 / Low: 0.4010).

January Spread (Volatile) ┬▒0.0140
May Spread (Stable) ┬▒0.0027

Growth Streaks & Declines

Trends

Between February and April, 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 January and February, when the average rate fell by 0.0065 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0065

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 0.4073) against the same month in 2025 (average: 0.4237), the exchange rate shifted by -0.0164 (-3.88%).

2026 Avg (January) 0.4073
2025 Avg (January) 0.4237

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Month High Low Average
January 0.4118 0.3978 0.4073
February 0.4085 0.3963 0.4008
March 0.4068 0.3964 0.4015
April 0.4063 0.3995 0.4033
May 0.4036 0.4010 0.4020
June 0.4079 0.3980 0.4034
July 0.4074 0.3993 0.4021