2026 NAD to HRK Historical Review

YEARLY HIGH

0.4065 HRK

YEARLY LOW

0.3797 HRK

YEARLY AVERAGE

0.3955 HRK

2026 NAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the NAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on July 7, valuing the pair at 0.4065. Conversely, the yearly low was recorded on March 31, dropping to 0.3797.

This high-to-low spread represents a total annual volatility of 0.0267 HRK. From a start-to-finish perspective, comparing the January average rate of 0.3936 to the December average rate of 0.3968, the exchange rate registered a net change of 0.80% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.4065 was up 2.47% compared to the 2025 peak of 0.3967, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,032 HRK

2025 Average 1,867 HRK

Yearly Trough Low 1,899 HRK

Transaction Impact: A difference of 133.53 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.4027

0.3879

JanuMarcMayJuly

NAD 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 0.3943, compared to 0.3991 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0048 points.

H1 Avg (Jan–Jun) 0.3943

H2 Avg (Jul–Dec) 0.3991

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.0251 HRK (High: 0.4049 / Low: 0.3797). On the other end, August was the most stable month, with a tight range of 0.0019 HRK (High: 0.3980 / Low: 0.3961).

March Spread (Volatile) ±0.0251

August Spread (Stable) ±0.0019

Growth Streaks & Declines

Trends

Between April and July, 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 February and March, when the average rate fell by 0.0082 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0082

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2026: 0.4015) against the same month in 2025 (average: 0.3635), the exchange rate shifted by +0.0380 (+10.45%).

2026 Avg (July) 0.4015

2025 Avg (July) 0.3635

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3990	0.3871	0.3936
February	0.4023	0.3943	0.3981
March	0.4049	0.3797	0.3899
April	0.3937	0.3815	0.3892
May	0.3977	0.3858	0.3950
June	0.4054	0.3945	0.4001
July	0.4065	0.3935	0.4015
August	0.3980	0.3961	0.3968