YEARLY HIGH
424.5099 CDF
YEARLY LOW
384.7322 CDF
YEARLY AVERAGE
404.2398 CDF

2024 HRK to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2024

During 2024, the HRK to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on September 27, valuing the pair at 424.5099. Conversely, the yearly low was recorded on January 20, dropping to 384.7322.

This high-to-low spread represents a total annual volatility of 39.7776 CDF. From a start-to-finish perspective, comparing the January average rate of 394.0329 to the December average rate of 396.6790, the exchange rate registered a net change of 0.67% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2024 high of 424.5099 was up 4.05% compared to the 2023 peak of 407.9923, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,122,549 CDF
2023 Average 1,677,861 CDF
Yearly Trough Low 1,923,661 CDF
Transaction Impact: A difference of 198,888.22 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2024.

422.5233
391.4429
JanuMarcMayJulySeptNove

HRK to CDF 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 398.6184, compared to 409.8612 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 11.2428 points.

H1 Avg (Jan–Jun) 398.6184
H2 Avg (Jul–Dec) 409.8612

Volatility Range Comparison

Volatility

The most volatile month in 2024 was November, with a trading range of 17.7693 CDF (High: 412.8207 / Low: 395.0513). On the other end, March was the most stable month, with a tight range of 7.3521 CDF (High: 403.6249 / Low: 396.2728).

November Spread (Volatile) ±17.7693
March Spread (Stable) ±7.3521

Growth Streaks & Declines

Trends

Between April and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 9.5856 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -9.5856

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2024: 419.9332) against the same month in 2023 (average: 351.8877), the exchange rate shifted by +68.0455 (+19.34%).

2024 Avg (September) 419.9332
2023 Avg (September) 351.8877

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 401.0311 384.7322 394.0329
February 398.5241 390.9037 394.8344
March 403.6249 396.2728 400.1117
April 405.5164 392.2025 397.1735
May 406.9015 397.1471 401.1373
June 408.3944 400.4180 404.4208
July 415.1014 405.4014 409.5773
August 423.8147 408.5915 416.7480
September 424.5099 414.8971 419.9332
October 419.1723 407.0919 412.9076
November 412.8207 395.0513 403.3220
December 402.3335 390.8529 396.6790