2026 XCD to HNL Historical Review

YEARLY HIGH

9.9480 HNL

YEARLY LOW

9.6853 HNL

YEARLY AVERAGE

9.8436 HNL

2026 XCD to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the XCD to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on July 11, valuing the pair at 9.9480. Conversely, the yearly low was recorded on January 25, dropping to 9.6853.

This high-to-low spread represents a total annual volatility of 0.2627 HNL. From a start-to-finish perspective, comparing the January average rate of 9.7721 to the December average rate of 9.9068, the exchange rate registered a net change of 1.38% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 9.9480 was up 1.55% compared to the 2025 peak of 9.7958, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 49,740 HNL

2025 Average 48,137 HNL

Yearly Trough Low 48,426 HNL

Transaction Impact: A difference of 1,313.73 HNL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

9.9220

9.7584

JanuMarcMayJuly

XCD to HNL 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 9.8223, compared to 9.9076 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0853 points.

H1 Avg (Jan–Jun) 9.8223

H2 Avg (Jul–Dec) 9.9076

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.1240 HNL (High: 9.8093 / Low: 9.6853). On the other end, May was the most stable month, with a tight range of 0.0232 HNL (High: 9.8500 / Low: 9.8268).

January Spread (Volatile) ±0.1240

May Spread (Stable) ±0.0232

Growth Streaks & Declines

Trends

Between January and April, 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 April and May, when the average rate fell by 0.0032 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0032

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2026: 9.9084) against the same month in 2025 (average: 9.7177), the exchange rate shifted by +0.1907 (+1.96%).

2026 Avg (July) 9.9084

2025 Avg (July) 9.7177

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	9.8093	9.6853	9.7721
February	9.8337	9.7544	9.7893
March	9.8416	9.7416	9.8084
April	9.8725	9.8072	9.8418
May	9.8500	9.8268	9.8386
June	9.9088	9.8348	9.8832
July	9.9480	9.8509	9.9084
August	9.9301	9.8849	9.9068