2026 TOP to HRK Historical Review

YEARLY HIGH

2.7554 HRK

YEARLY LOW

2.6032 HRK

YEARLY AVERAGE

2.6946 HRK

2026 TOP to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the TOP to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on June 24, valuing the pair at 2.7554. Conversely, the yearly low was recorded on January 27, dropping to 2.6032.

This high-to-low spread represents a total annual volatility of 0.1523 HRK. From a start-to-finish perspective, comparing the January average rate of 2.6670 to the December average rate of 2.7144, the exchange rate registered a net change of 1.77% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 2.7554 was down 10.09% compared to the 2025 peak of 3.0647, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 13,777 HRK

2025 Average 13,854 HRK

Yearly Trough Low 13,016 HRK

Transaction Impact: A difference of 761.33 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

2.7498

2.6369

JanuMarcMayJuly

TOP 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 2.6837, compared to 2.7274 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0437 points.

H1 Avg (Jan–Jun) 2.6837

H2 Avg (Jul–Dec) 2.7274

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0948 HRK (High: 2.6979 / Low: 2.6032). On the other end, August was the most stable month, with a tight range of 0.0024 HRK (High: 2.7158 / Low: 2.7134).

January Spread (Volatile) ±0.0948

August Spread (Stable) ±0.0024

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 March and April, when the average rate fell by 0.0304 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0304

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2026: 2.7194) against the same month in 2025 (average: 2.7137), the exchange rate shifted by +0.0058 (+0.21%).

2026 Avg (June) 2.7194

2025 Avg (June) 2.7137

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.6979	2.6032	2.6670
February	2.6589	2.6287	2.6463
March	2.7410	2.6609	2.7078
April	2.7187	2.6503	2.6774
May	2.6915	2.6697	2.6841
June	2.7554	2.6875	2.7194
July	2.7521	2.7184	2.7404
August	2.7158	2.7134	2.7144