YEARLY HIGH
3.1449 HRK
YEARLY LOW
2.9395 HRK
YEARLY AVERAGE
3.0493 HRK

2020 FJD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the FJD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 18, valuing the pair at 3.1449. Conversely, the yearly low was recorded on March 28, dropping to 2.9395.

This high-to-low spread represents a total annual volatility of 0.2054 HRK. From a start-to-finish perspective, comparing the January average rate of 3.0950 to the December average rate of 3.0123, the exchange rate registered a net change of -2.67% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.1449 was down 13.75% compared to the 2019 peak of 3.6465, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 15,725 HRK
2019 Average 15,376 HRK
Yearly Trough Low 14,697 HRK
Transaction Impact: A difference of 1,027.21 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.1126
2.9705
JanuMarcMayJulySeptNove

FJD 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 3.0781, compared to 3.0205 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0577 points.

H1 Avg (Jan–Jun) 3.0781
H2 Avg (Jul–Dec) 3.0205

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 0.1446 HRK (High: 3.1174 / Low: 2.9728). On the other end, December was the most stable month, with a tight range of 0.0373 HRK (High: 3.0344 / Low: 2.9970).

July Spread (Volatile) ±0.1446
December Spread (Stable) ±0.0373

Growth Streaks & Declines

Trends

Between August and November, 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 February and March, when the average rate fell by 0.0896 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0896

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 3.1008) against the same month in 2019 (average: 3.0786), the exchange rate shifted by +0.0222 (+0.72%).

2020 Avg (February) 3.1008
2019 Avg (February) 3.0786

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.1148 3.0698 3.0950
February 3.1449 3.0552 3.1008
March 3.0605 2.9395 3.0112
April 3.1167 3.0300 3.0742
May 3.1173 3.0701 3.0991
June 3.1213 3.0495 3.0885
July 3.1174 2.9728 3.0607
August 3.0032 2.9602 2.9823
September 3.0465 2.9909 3.0131
October 3.0414 2.9866 3.0174
November 3.0575 2.9700 3.0370
December 3.0344 2.9970 3.0123