2020 HRK to USD Historical Review

YEARLY HIGH

0.1629 USD

YEARLY LOW

0.1399 USD

YEARLY AVERAGE

0.1514 USD

2020 HRK to USD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HRK to USD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 0.1629. Conversely, the yearly low was recorded on March 19, dropping to 0.1399.

This high-to-low spread represents a total annual volatility of 0.0230 USD. From a start-to-finish perspective, comparing the January average rate of 0.1492 to the December average rate of 0.1614, the exchange rate registered a net change of 8.21% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1629 was up 4.72% compared to the 2019 peak of 0.1556, 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 815 USD

2019 Average 755 USD

Yearly Trough Low 700 USD

Transaction Impact: A difference of 114.88 USD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1632

0.1413

JanuMarcMayJulySeptNove

HRK to USD 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 0.1463, compared to 0.1566 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0103 points.

H1 Avg (Jan–Jun) 0.1463

H2 Avg (Jul–Dec) 0.1566

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0120 USD (High: 0.1520 / Low: 0.1399). On the other end, January was the most stable month, with a tight range of 0.0026 USD (High: 0.1506 / Low: 0.1481).

March Spread (Volatile) ±0.0120

January Spread (Stable) ±0.0026

Growth Streaks & Declines

Trends

Between April and August, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0030 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0030

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.1614) against the same month in 2019 (average: 0.1493), the exchange rate shifted by +0.0121 (+8.11%).

2020 Avg (December) 0.1614

2019 Avg (December) 0.1493

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1506	0.1481	0.1492
February	0.1490	0.1448	0.1465
March	0.1520	0.1399	0.1462
April	0.1445	0.1416	0.1431
May	0.1463	0.1427	0.1441
June	0.1502	0.1466	0.1487
July	0.1586	0.1486	0.1522
August	0.1591	0.1565	0.1576
September	0.1584	0.1541	0.1563
October	0.1565	0.1539	0.1554
November	0.1583	0.1538	0.1566
December	0.1629	0.1598	0.1614