YEARLY HIGH
3.4703 GHS
YEARLY LOW
3.0943 GHS
YEARLY AVERAGE
3.2712 GHS

2026 PEN to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the PEN to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on August 6, valuing the pair at 3.4703. Conversely, the yearly low was recorded on March 9, dropping to 3.0943.

This high-to-low spread represents a total annual volatility of 0.3760 GHS. From a start-to-finish perspective, comparing the January average rate of 3.2075 to the December average rate of 3.4570, the exchange rate registered a net change of 7.78% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 3.4703 was down 18.88% compared to the 2025 peak of 4.2780, 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 17,351 GHS
2025 Average 17,686 GHS
Yearly Trough Low 15,471 GHS
Transaction Impact: A difference of 1,879.96 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

3.4875
3.1214
JanuMarcMayJuly

PEN to GHS 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 3.2212, compared to 3.4210 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1998 points.

H1 Avg (Jan–Jun) 3.2212
H2 Avg (Jul–Dec) 3.4210

Volatility Range Comparison

Volatility

The most volatile month in 2026 was June, with a trading range of 0.3175 GHS (High: 3.4663 / Low: 3.1487). On the other end, August was the most stable month, with a tight range of 0.0208 GHS (High: 3.4703 / Low: 3.4495).

June Spread (Volatile) ±0.3175
August Spread (Stable) ±0.0208

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 February and March, when the average rate fell by 0.1016 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.1016

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2026: 3.4570) against the same month in 2025 (average: 3.0443), the exchange rate shifted by +0.4127 (+13.56%).

2026 Avg (August) 3.4570
2025 Avg (August) 3.0443

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.2706 3.1146 3.2075
February 3.2898 3.1742 3.2572
March 3.1998 3.0943 3.1557
April 3.2703 3.1621 3.2131
May 3.1932 3.1386 3.1519
June 3.4663 3.1487 3.3419
July 3.4483 3.3149 3.3849
August 3.4703 3.4495 3.4570