2019 HRK to PEN Historical Review

YEARLY HIGH

0.5212 PEN

YEARLY LOW

0.4937 PEN

YEARLY AVERAGE

0.5035 PEN

2019 HRK to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the HRK to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.5212. Conversely, the yearly low was recorded on December 25, dropping to 0.4937.

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 0.5139 to the December average rate of 0.5005, the exchange rate registered a net change of -2.60% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.5212 was down 4.83% compared to the 2018 peak of 0.5477, 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 2,606 PEN

2018 Average 2,615 PEN

Yearly Trough Low 2,468 PEN

Transaction Impact: A difference of 137.87 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.5153

0.4978

JanuMarcMayJulySeptNove

HRK 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 0.5058, compared to 0.5013 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0045 points.

H1 Avg (Jan–Jun) 0.5058

H2 Avg (Jul–Dec) 0.5013

Volatility Range Comparison

Volatility

The most volatile month in 2019 was August, with a trading range of 0.0170 PEN (High: 0.5145 / Low: 0.4974). On the other end, April was the most stable month, with a tight range of 0.0037 PEN (High: 0.5012 / Low: 0.4975).

August Spread (Volatile) ±0.0170

April Spread (Stable) ±0.0037

Growth Streaks & Declines

Trends

Between September and December, 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 August and September, when the average rate fell by 0.0091 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0091

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2019: 0.5139) against the same month in 2018 (average: 0.5278), the exchange rate shifted by -0.0139 (-2.64%).

2019 Avg (January) 0.5139

2018 Avg (January) 0.5278

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5212	0.5080	0.5139
February	0.5140	0.5048	0.5085
March	0.5073	0.4997	0.5031
April	0.5012	0.4975	0.4994
May	0.5073	0.4988	0.5024
June	0.5121	0.5045	0.5075
July	0.5029	0.4941	0.4995
August	0.5145	0.4974	0.5084
September	0.5050	0.4947	0.4993
October	0.5020	0.4965	0.4994
November	0.5038	0.4966	0.5005
December	0.5091	0.4937	0.5005