YEARLY HIGH
15.7428 HTG
YEARLY LOW
11.4176 HTG
YEARLY AVERAGE
14.0699 HTG

2021 HRK to HTG Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to HTG exchange rate experienced significant fluctuation. The market reached its absolute peak on September 9, valuing the pair at 15.7428. Conversely, the yearly low was recorded on February 2, dropping to 11.4176.

This high-to-low spread represents a total annual volatility of 4.3252 HTG. From a start-to-finish perspective, comparing the January average rate of 11.7393 to the December average rate of 15.1248, the exchange rate registered a net change of 28.84% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 15.7428 was down 11.51% compared to the 2020 peak of 17.7910, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 78,714 HTG
2020 Average 71,012 HTG
Yearly Trough Low 57,088 HTG
Transaction Impact: A difference of 21,625.93 HTG purely based on transaction execution date.

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15.7874
11.3713
JanuMarcMayJulySeptNove

HRK to HTG 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 12.9688, compared to 15.1709 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.2021 points.

H1 Avg (Jan–Jun) 12.9688
H2 Avg (Jul–Dec) 15.1709

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 1.3436 HTG (High: 13.7491 / Low: 12.4055). On the other end, January was the most stable month, with a tight range of 0.4247 HTG (High: 11.8983 / Low: 11.4736).

April Spread (Volatile) Âą1.3436
January Spread (Stable) Âą0.4247

Growth Streaks & Declines

Trends

Between January and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.3610 points.

Longest Streak 8 Mo.
Sharpest MoM Drop -0.3610

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2021: 15.4194) against the same month in 2020 (average: 16.8901), the exchange rate shifted by -1.4707 (-8.71%).

2021 Avg (September) 15.4194
2020 Avg (September) 16.8901

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Month High Low Average
January 11.8983 11.4736 11.7393
February 12.1892 11.4176 11.7785
March 12.5121 11.7868 12.2755
April 13.7491 12.4055 12.9869
May 14.8660 13.6508 14.2466
June 15.0545 14.4392 14.7860
July 15.1990 14.3708 14.8860
August 15.6373 14.7909 15.2697
September 15.7428 15.0067 15.4194
October 15.6998 15.1269 15.3434
November 15.2323 14.7184 14.9823
December 15.4055 14.7734 15.1248