Currencies February 18, 2026

UBS Lowers USD/ZAR Targets, Predicts Further Rand Gains through 2026

Bank cites precious metal strength, expected Fed cuts and domestic reform progress as drivers while warning of several downside scenarios

By Leila Farooq
UBS Lowers USD/ZAR Targets, Predicts Further Rand Gains through 2026

UBS has revised its USD/ZAR outlook, forecasting continued appreciation of the South African rand through 2026. The bank points to higher precious metal prices, anticipated Federal Reserve rate cuts, resilient global growth and investor demand for non-U.S. assets as key supports. UBS has set a Q1 2026 target of 16.0 and consistent 15.8 targets for Q2-Q4 2026, but warned of risks that could reverse the move.

Key Points

  • UBS expects further appreciation of the rand through 2026, setting USD/ZAR targets: 16.0 for Q1 and 15.8 for Q2-Q4.
  • Drivers named by UBS include higher precious metal prices, anticipated Federal Reserve rate cuts, resilient global growth and investor demand for assets outside the United States.
  • The forecast has implications for foreign exchange markets, commodity sectors linked to precious metals, and global asset allocation decisions.

UBS has updated its view on the South African rand, anticipating further strengthening against the U.S. dollar across 2026 as a result of what it describes as supportive global conditions and progress on domestic reforms.

According to the bank's latest currency note, the rand's appreciation continued into February. UBS attributes the move to elevated precious metal prices, market expectations for additional Federal Reserve rate cuts, resilient global growth, and a broad investor preference for strong-performing assets outside the United States.

The bank specifies targets for the USD/ZAR exchange rate across 2026. UBS places the pair near its first-quarter 2026 target of 16.0 and projects further spot strength for the rest of the year. For the second, third and fourth quarters of 2026 the institution has set identical forecasts of 15.8, reflecting its view that the global environment, the rand's attractive carry, and domestic reform progress will remain supportive.

UBS notes that the South African currency has shown resilience despite a backdrop of wider pressures on risk sentiment in recent months. The assessment highlights that the rand's gains have persisted in spite of various global market uncertainties.

That said, UBS cautions that the current elevated positioning in markets could amplify any setbacks. The bank outlines specific scenarios under which the rand could suffer a sustained weakening. These include a deterioration in the global growth outlook, a shift toward a more hawkish stance from the Federal Reserve, a deterioration in U.S.-South Africa relations, or stalled reform momentum within South Africa.

Investors and market participants should therefore weigh the bank's constructive baseline against the enumerated downside risks. The forecast and associated risks have implications for foreign exchange markets, commodity-linked sectors tied to precious metals, and broader global asset allocation decisions driven by investor demand beyond U.S. markets.


Context and implications

  • The rand's outlook from UBS is positive under the bank's baseline but conditional on several external and domestic factors remaining favorable.
  • Market participants are advised to monitor positioning and the specified risk scenarios, which could prompt a reversal if they materialize.

Risks

  • Sustained rand weakness could occur if global growth deteriorates - this would impact FX markets and commodity-linked sectors.
  • A more hawkish Federal Reserve than currently expected could reverse the rand's gains - affecting carry trades and currency markets.
  • Worsening U.S.-South Africa relations or stalled domestic reform progress could weaken the rand - with consequences for investor demand and broader market sentiment.

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