2020 HNL to EUR Historical Review

YEARLY HIGH

0.0377 EUR

YEARLY LOW

0.0336 EUR

YEARLY AVERAGE

0.0355 EUR

2020 HNL to EUR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to EUR exchange rate experienced significant fluctuation. The market reached its absolute peak on March 19, valuing the pair at 0.0377. Conversely, the yearly low was recorded on December 30, dropping to 0.0336.

This high-to-low spread represents a total annual volatility of 0.0041 EUR. From a start-to-finish perspective, comparing the January average rate of 0.0363 to the December average rate of 0.0339, the exchange rate registered a net change of -6.75% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0377 was down 38.00% compared to the 2019 peak of 0.0608, 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 188 EUR

2019 Average 182 EUR

Yearly Trough Low 168 EUR

Transaction Impact: A difference of 20.48 EUR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0372

0.0336

JanuMarcMayJulySeptNove

HNL to EUR 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 0.0365, compared to 0.0344 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0020 points.

H1 Avg (Jan–Jun) 0.0365

H2 Avg (Jul–Dec) 0.0344

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0024 EUR (High: 0.0377 / Low: 0.0353). On the other end, December was the most stable month, with a tight range of 0.0005 EUR (High: 0.0341 / Low: 0.0336).

March Spread (Volatile) ±0.0024

December Spread (Stable) ±0.0005

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 May and June, when the average rate fell by 0.0010 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0010

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.0363) against the same month in 2019 (average: 0.0361), the exchange rate shifted by +0.0002 (+0.60%).

2020 Avg (March) 0.0363

2019 Avg (March) 0.0361

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0366	0.0355	0.0363
February	0.0376	0.0363	0.0369
March	0.0377	0.0353	0.0363
April	0.0373	0.0365	0.0369
May	0.0371	0.0360	0.0366
June	0.0361	0.0353	0.0356
July	0.0358	0.0338	0.0351
August	0.0345	0.0339	0.0342
September	0.0349	0.0340	0.0343
October	0.0349	0.0344	0.0346
November	0.0350	0.0343	0.0346
December	0.0341	0.0336	0.0339