YEARLY HIGH
7.6767 HRK
YEARLY LOW
7.4359 HRK
YEARLY AVERAGE
7.5403 HRK

2020 EUR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the EUR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on May 2, valuing the pair at 7.6767. Conversely, the yearly low was recorded on January 20, dropping to 7.4359.

This high-to-low spread represents a total annual volatility of 0.2408 HRK. From a start-to-finish perspective, comparing the January average rate of 7.4438 to the December average rate of 7.5414, the exchange rate registered a net change of 1.31% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 7.6767 was up 2.74% compared to the 2019 peak of 7.4718, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 38,384 HRK
2019 Average 37,100 HRK
Yearly Trough Low 37,179 HRK
Transaction Impact: A difference of 1,204.24 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

7.6073
7.4290
JanuMarcMayJulySeptNove

EUR 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 7.5375, compared to 7.5431 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0056 points.

H1 Avg (Jan–Jun) 7.5375
H2 Avg (Jul–Dec) 7.5431

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1801 HRK (High: 7.6644 / Low: 7.4843). On the other end, November was the most stable month, with a tight range of 0.0255 HRK (High: 7.5790 / Low: 7.5535).

March Spread (Volatile) ±0.1801
November Spread (Stable) ±0.0255

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 June and July, when the average rate fell by 0.0395 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0395

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2020: 7.5872) against the same month in 2019 (average: 7.4181), the exchange rate shifted by +0.1690 (+2.28%).

2020 Avg (May) 7.5872
2019 Avg (May) 7.4181

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 7.4692 7.4359 7.4438
February 7.4712 7.4408 7.4539
March 7.6644 7.4843 7.5785
April 7.6307 7.5493 7.5925
May 7.6767 7.5263 7.5872
June 7.6361 7.5446 7.5690
July 7.5661 7.4397 7.5295
August 7.5474 7.4397 7.5073
September 7.5598 7.5263 7.5424
October 7.5886 7.5619 7.5745
November 7.5790 7.5535 7.5635
December 7.5546 7.5090 7.5414