YEARLY HIGH
7.6027 HRK
YEARLY LOW
7.4419 HRK
YEARLY AVERAGE
7.5348 HRK

2022 EUR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the EUR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on September 10, valuing the pair at 7.6027. Conversely, the yearly low was recorded on August 15, dropping to 7.4419.

This high-to-low spread represents a total annual volatility of 0.1607 HRK. From a start-to-finish perspective, comparing the January average rate of 7.5245 to the December average rate of 7.5497, the exchange rate registered a net change of 0.33% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 7.6027 was down 0.10% compared to the 2021 peak of 7.6105, 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 38,013 HRK
2021 Average 37,646 HRK
Yearly Trough Low 37,210 HRK
Transaction Impact: A difference of 803.72 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

7.5738
7.5041
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 7.5408, compared to 7.5289 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0119 points.

H1 Avg (Jan–Jun) 7.5408
H2 Avg (Jul–Dec) 7.5289

Volatility Range Comparison

Volatility

The most volatile month in 2022 was September, with a trading range of 0.1178 HRK (High: 7.6027 / Low: 7.4849). On the other end, October was the most stable month, with a tight range of 0.0160 HRK (High: 7.5385 / Low: 7.5226).

September Spread (Volatile) ±0.1178
October Spread (Stable) ±0.0160

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0200 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.0200

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2022: 7.5237) against the same month in 2021 (average: 7.4949), the exchange rate shifted by +0.0289 (+0.39%).

2022 Avg (September) 7.5237
2021 Avg (September) 7.4949

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 7.5349 7.5037 7.5245
February 7.5718 7.5011 7.5337
March 7.5815 7.5229 7.5680
April 7.5884 7.5267 7.5570
May 7.5674 7.5084 7.5370
June 7.5460 7.5030 7.5246
July 7.5350 7.5036 7.5190
August 7.5230 7.4419 7.5099
September 7.6027 7.4849 7.5237
October 7.5385 7.5226 7.5299
November 7.5615 7.5160 7.5410
December 7.5739 7.5340 7.5497