2026 TOP to PHP Historical Review

YEARLY HIGH

25.6741 PHP

YEARLY LOW

23.8965 PHP

YEARLY AVERAGE

24.9977 PHP

2026 TOP to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the TOP to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on July 23, valuing the pair at 25.6741. Conversely, the yearly low was recorded on February 25, dropping to 23.8965.

This high-to-low spread represents a total annual volatility of 1.7776 PHP. From a start-to-finish perspective, comparing the January average rate of 24.5638 to the December average rate of 25.5914, the exchange rate registered a net change of 4.18% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 25.6741 was up 4.05% compared to the 2025 peak of 24.6744, 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 128,370 PHP

2025 Average 119,279 PHP

Yearly Trough Low 119,482 PHP

Transaction Impact: A difference of 8,887.88 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

25.7345

24.0173

JanuMarcMayJuly

TOP 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: Jan–Jun) was 24.8987, compared to 25.5914 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.6927 points.

H1 Avg (Jan–Jun) 24.8987

H2 Avg (Jul–Dec) 25.5914

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 1.2442 PHP (High: 25.2189 / Low: 23.9747). On the other end, May was the most stable month, with a tight range of 0.1032 PHP (High: 25.5522 / Low: 25.4490).

March Spread (Volatile) ±1.2442

May Spread (Stable) ±0.1032

Growth Streaks & Declines

Trends

Between February and May, 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 0.4035 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.4035

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2026: 25.5914) against the same month in 2025 (average: 23.6182), the exchange rate shifted by +1.9732 (+8.35%).

2026 Avg (July) 25.5914

2025 Avg (July) 23.6182

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	24.7126	24.4127	24.5638
February	24.5166	23.8965	24.1604
March	25.2189	23.9747	24.7356
April	25.6033	24.7251	24.9950
May	25.5522	25.4490	25.5274
June	25.6664	25.0416	25.4102
July	25.6741	25.5156	25.5914