2026 XCD to PHP Historical Review

YEARLY HIGH

22.8736 PHP

YEARLY LOW

21.2899 PHP

YEARLY AVERAGE

22.2710 PHP

2026 XCD to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the XCD to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on July 23, valuing the pair at 22.8736. Conversely, the yearly low was recorded on February 25, dropping to 21.2899.

This high-to-low spread represents a total annual volatility of 1.5837 PHP. From a start-to-finish perspective, comparing the January average rate of 21.8844 to the December average rate of 22.8000, 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 22.8736 was up 4.05% compared to the 2025 peak of 21.9829, 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 114,368 PHP

2025 Average 106,372 PHP

Yearly Trough Low 106,449 PHP

Transaction Impact: A difference of 7,918.41 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

22.9274

21.3975

JanuMarcMayJuly

XCD 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 22.1828, compared to 22.8000 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.6171 points.

H1 Avg (Jan–Jun) 22.1828

H2 Avg (Jul–Dec) 22.8000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 1.1085 PHP (High: 22.4680 / Low: 21.3596). On the other end, May was the most stable month, with a tight range of 0.0920 PHP (High: 22.7650 / Low: 22.6730).

March Spread (Volatile) ±1.1085

May Spread (Stable) ±0.0920

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 0.3594 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.3594

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2026: 22.8000) against the same month in 2025 (average: 21.0419), the exchange rate shifted by +1.7581 (+8.36%).

2026 Avg (July) 22.8000

2025 Avg (July) 21.0419

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	22.0170	21.7498	21.8844
February	21.8423	21.2899	21.5250
March	22.4680	21.3596	22.0375
April	22.8105	22.0281	22.2686
May	22.7650	22.6730	22.7429
June	22.8667	22.3101	22.6385
July	22.8736	22.7324	22.8000