2024 DJF to HRK Historical Review

YEARLY HIGH

0.0409 HRK

YEARLY LOW

0.0378 HRK

YEARLY AVERAGE

0.0392 HRK

2024 DJF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2024

During 2024, the DJF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 18, valuing the pair at 0.0409. Conversely, the yearly low was recorded on September 25, dropping to 0.0378.

This high-to-low spread represents a total annual volatility of 0.0031 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0388 to the December average rate of 0.0405, the exchange rate registered a net change of 4.20% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2024 high of 0.0409 was up 1.21% compared to the 2023 peak of 0.0404, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 205 HRK

2023 Average 196 HRK

Yearly Trough Low 189 HRK

Transaction Impact: A difference of 15.56 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2024.

0.0407

0.0379

JanuMarcMayJulySeptNove

DJF 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 0.0392, compared to 0.0391 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.0392

H2 Avg (Jul–Dec) 0.0391

Volatility Range Comparison

Volatility

The most volatile month in 2024 was November, with a trading range of 0.0020 HRK (High: 0.0408 / Low: 0.0388). On the other end, March was the most stable month, with a tight range of 0.0006 HRK (High: 0.0393 / Low: 0.0387).

November Spread (Volatile) ±0.0020

March Spread (Stable) ±0.0006

Growth Streaks & Declines

Trends

Between September and December, 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 July and August, when the average rate fell by 0.0006 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0006

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2024: 0.0405) against the same month in 2023 (average: 0.0387), the exchange rate shifted by +0.0017 (+4.41%).

2024 Avg (December) 0.0405

2023 Avg (December) 0.0387

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0392	0.0384	0.0388
February	0.0396	0.0389	0.0392
March	0.0393	0.0387	0.0390
April	0.0399	0.0390	0.0395
May	0.0396	0.0389	0.0392
June	0.0398	0.0389	0.0394
July	0.0395	0.0387	0.0390
August	0.0393	0.0379	0.0385
September	0.0385	0.0378	0.0381
October	0.0393	0.0383	0.0389
November	0.0408	0.0388	0.0399
December	0.0409	0.0400	0.0405