2019 PEN to HRK Historical Review

YEARLY HIGH

2.0257 HRK

YEARLY LOW

1.9185 HRK

YEARLY AVERAGE

1.9862 HRK

2019 PEN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the PEN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 2.0257. Conversely, the yearly low was recorded on January 1, dropping to 1.9185.

This high-to-low spread represents a total annual volatility of 0.1072 HRK. From a start-to-finish perspective, comparing the January average rate of 1.9462 to the December average rate of 1.9983, the exchange rate registered a net change of 2.68% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 2.0257 was up 1.78% compared to the 2018 peak of 1.9902, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 10,129 HRK

2018 Average 9,563 HRK

Yearly Trough Low 9,593 HRK

Transaction Impact: A difference of 535.81 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

2.0086

1.9405

JanuMarcMayJulySeptNove

PEN to HRK 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 1.9773, compared to 1.9952 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0178 points.

H1 Avg (Jan–Jun) 1.9773

H2 Avg (Jul–Dec) 1.9952

Volatility Range Comparison

Volatility

The most volatile month in 2019 was August, with a trading range of 0.0665 HRK (High: 2.0103 / Low: 1.9438). On the other end, April was the most stable month, with a tight range of 0.0148 HRK (High: 2.0101 / Low: 1.9953).

August Spread (Volatile) ±0.0665

April Spread (Stable) ±0.0148

Growth Streaks & Declines

Trends

Between January and April, 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 July and August, when the average rate fell by 0.0351 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0351

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2019: 1.9983) against the same month in 2018 (average: 1.9346), the exchange rate shifted by +0.0637 (+3.29%).

2019 Avg (December) 1.9983

2018 Avg (December) 1.9346

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.9684	1.9185	1.9462
February	1.9810	1.9454	1.9666
March	2.0011	1.9711	1.9876
April	2.0101	1.9953	2.0026
May	2.0047	1.9713	1.9905
June	1.9821	1.9527	1.9706
July	2.0237	1.9883	2.0021
August	2.0103	1.9438	1.9670
September	2.0214	1.9800	2.0029
October	2.0141	1.9921	2.0025
November	2.0139	1.9847	1.9981
December	2.0257	1.9641	1.9983