2026 XAU to HRK Historical Review

YEARLY HIGH

30148.0124 HRK

YEARLY LOW

6.2678 HRK

YEARLY AVERAGE

14388.3255 HRK

2026 XAU to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the XAU to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 28, valuing the pair at 30148.0124. Conversely, the yearly low was recorded on January 27, dropping to 6.2678.

This high-to-low spread represents a total annual volatility of 30141.7446 HRK. From a start-to-finish perspective, comparing the January average rate of 6.4216 to the December average rate of 27035.3050, the exchange rate registered a net change of 420906.79% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 30148.0124 was up 409796.30% compared to the 2025 peak of 7.3550, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 150,740,062 HRK

2025 Average 33,390 HRK

Yearly Trough Low 31,339 HRK

Transaction Impact: A difference of 150,708,722.96 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

32127.7734

-2913.7557

JanuMarcMayJuly

XAU 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 10195.0641, compared to 26968.1097 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 16773.0456 points.

H1 Avg (Jan–Jun) 10195.0641

H2 Avg (Jul–Dec) 26968.1097

Volatility Range Comparison

Volatility

The most volatile month in 2026 was April, with a trading range of 30141.6310 HRK (High: 30148.0124 / Low: 6.3814). On the other end, February was the most stable month, with a tight range of 0.0727 HRK (High: 6.4019 / Low: 6.3293).

April Spread (Volatile) ±30141.6310

February Spread (Stable) ±0.0727

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 May and June, when the average rate fell by 1528.6314 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -1528.6314

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2026: 4264.4111) against the same month in 2025 (average: 6.7048), the exchange rate shifted by +4257.7063 (+63501.90%).

2026 Avg (April) 4264.4111

2025 Avg (April) 6.7048

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	6.4959	6.2678	6.4216
February	6.4019	6.3293	6.3717
March	6.5997	6.4068	6.5197
April	30148.0124	6.3814	4264.4111
May	29662.0368	28749.7721	29207.6459
June	29224.5958	26492.7213	27679.0145
July	27506.7528	26336.7289	26900.9143
August	28129.3496	26428.2305	27035.3050