YEARLY HIGH
26.4408 DJF
YEARLY LOW
24.4302 DJF
YEARLY AVERAGE
25.5335 DJF

2024 HRK to DJF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2024

During 2024, the HRK to DJF exchange rate experienced significant fluctuation. The market reached its absolute peak on September 25, valuing the pair at 26.4408. Conversely, the yearly low was recorded on December 18, dropping to 24.4302.

This high-to-low spread represents a total annual volatility of 2.0106 DJF. From a start-to-finish perspective, comparing the January average rate of 25.7559 to the December average rate of 24.7188, the exchange rate registered a net change of -4.03% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2024 high of 26.4408 was down 0.26% compared to the 2023 peak of 26.5097, 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 132,204 DJF
2023 Average 127,656 DJF
Yearly Trough Low 122,151 DJF
Transaction Impact: A difference of 10,053.05 DJF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2024.

26.3824
24.5675
JanuMarcMayJulySeptNove

HRK to DJF 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 25.5114, compared to 25.5556 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0442 points.

H1 Avg (Jan–Jun) 25.5114
H2 Avg (Jul–Dec) 25.5556

Volatility Range Comparison

Volatility

The most volatile month in 2024 was November, with a trading range of 1.2480 DJF (High: 25.7877 / Low: 24.5397). On the other end, March was the most stable month, with a tight range of 0.4066 DJF (High: 25.8280 / Low: 25.4214).

November Spread (Volatile) ±1.2480
March Spread (Stable) ±0.4066

Growth Streaks & Declines

Trends

Between June and September, 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 October and November, when the average rate fell by 0.6427 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.6427

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2024: 26.2312) against the same month in 2023 (average: 25.2206), the exchange rate shifted by +1.0106 (+4.01%).

2024 Avg (September) 26.2312
2023 Avg (September) 25.2206

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 26.0494 25.4958 25.7559
February 25.7077 25.2658 25.4895
March 25.8280 25.4214 25.6368
April 25.6232 25.0583 25.2977
May 25.6942 25.2692 25.4960
June 25.7327 25.1192 25.3924
July 25.8263 25.2937 25.6105
August 26.3725 25.4514 25.9808
September 26.4408 25.9786 26.2312
October 26.1047 25.4357 25.7176
November 25.7877 24.5397 25.0749
December 25.0032 24.4302 24.7188