2021 HNL to PEN Historical Review

YEARLY HIGH

0.1733 PEN

YEARLY LOW

0.1458 PEN

YEARLY AVERAGE

0.1610 PEN

2021 HNL to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on August 10, valuing the pair at 0.1733. Conversely, the yearly low was recorded on January 6, dropping to 0.1458.

This high-to-low spread represents a total annual volatility of 0.0276 PEN. From a start-to-finish perspective, comparing the January average rate of 0.1496 to the December average rate of 0.1665, the exchange rate registered a net change of 11.31% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.1733 was up 15.02% compared to the 2020 peak of 0.1507, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 867 PEN

2020 Average 707 PEN

Yearly Trough Low 729 PEN

Transaction Impact: A difference of 137.81 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.1736

0.1474

JanuMarcMayJulySeptNove

HNL to PEN 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 0.1543, compared to 0.1677 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0134 points.

H1 Avg (Jan–Jun) 0.1543

H2 Avg (Jul–Dec) 0.1677

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 0.0092 PEN (High: 0.1714 / Low: 0.1622). On the other end, September was the most stable month, with a tight range of 0.0017 PEN (High: 0.1713 / Low: 0.1696).

October Spread (Volatile) ±0.0092

September Spread (Stable) ±0.0017

Growth Streaks & Declines

Trends

Between January and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0041 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0041

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2021: 0.1715) against the same month in 2020 (average: 0.1440), the exchange rate shifted by +0.0275 (+19.07%).

2021 Avg (August) 0.1715

2020 Avg (August) 0.1440

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1511	0.1458	0.1496
February	0.1515	0.1498	0.1504
March	0.1560	0.1506	0.1531
April	0.1583	0.1495	0.1532
May	0.1598	0.1519	0.1565
June	0.1666	0.1587	0.1627
July	0.1666	0.1622	0.1649
August	0.1733	0.1654	0.1715
September	0.1713	0.1696	0.1705
October	0.1714	0.1622	0.1663
November	0.1683	0.1653	0.1664
December	0.1691	0.1626	0.1665

૨૦૨૫ HNL થી PEN ઐતિહાસિક સમીક્ષા