2026 PEN to NAD Historical Review

YEARLY HIGH

4.9434 NAD

YEARLY LOW

4.7180 NAD

YEARLY AVERAGE

4.8248 NAD

2026 PEN to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the PEN to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 26, valuing the pair at 4.9434. Conversely, the yearly low was recorded on January 29, dropping to 4.7180.

This high-to-low spread represents a total annual volatility of 0.2254 NAD. From a start-to-finish perspective, comparing the January average rate of 4.8593 to the December average rate of 4.8693, the exchange rate registered a net change of 0.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 4.9434 was down 6.13% compared to the 2025 peak of 5.2659, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 24,717 NAD

2025 Average 25,068 NAD

Yearly Trough Low 23,590 NAD

Transaction Impact: A difference of 1,126.90 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

4.8793

4.7597

JanuMarcMayJuly

PEN to NAD 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 4.8156, compared to 4.8522 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0366 points.

H1 Avg (Jan–Jun) 4.8156

H2 Avg (Jul–Dec) 4.8522

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 0.2238 NAD (High: 4.9434 / Low: 4.7195). On the other end, August was the most stable month, with a tight range of 0.0350 NAD (High: 4.8813 / Low: 4.8463).

March Spread (Volatile) ±0.2238

August Spread (Stable) ±0.0350

Growth Streaks & Declines

Trends

Between May and August, 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 January and February, when the average rate fell by 0.0897 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0897

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 4.8598) against the same month in 2025 (average: 4.9954), the exchange rate shifted by -0.1356 (-2.71%).

2026 Avg (March) 4.8598

2025 Avg (March) 4.9954

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	4.9223	4.7180	4.8593
February	4.8040	4.7339	4.7697
March	4.9434	4.7195	4.8598
April	4.9335	4.7198	4.8192
May	4.8023	4.7498	4.7814
June	4.8808	4.7484	4.8043
July	4.9424	4.7661	4.8351
August	4.8813	4.8463	4.8693