YEARLY HIGH
3.2672 MAD
YEARLY LOW
2.9029 MAD
YEARLY AVERAGE
3.0654 MAD

2015 PEN to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the PEN to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 14, valuing the pair at 3.2672. Conversely, the yearly low was recorded on December 28, dropping to 2.9029.

This high-to-low spread represents a total annual volatility of 0.3643 MAD. From a start-to-finish perspective, comparing the January average rate of 3.1167 to the December average rate of 2.9292, the exchange rate registered a net change of -6.01% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 3.2672 was up 7.21% compared to the 2014 peak of 3.0475, 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 16,336 MAD
2014 Average 14,816 MAD
Yearly Trough Low 14,514 MAD
Transaction Impact: A difference of 1,821.38 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

3.2270
2.9022
JanuMarcMayJulySeptNove

PEN to MAD 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 3.1261, compared to 3.0048 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1213 points.

H1 Avg (Jan–Jun) 3.1261
H2 Avg (Jul–Dec) 3.0048

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 0.1852 MAD (High: 3.2156 / Low: 3.0304). On the other end, November was the most stable month, with a tight range of 0.0371 MAD (High: 3.0101 / Low: 2.9730).

January Spread (Volatile) ±0.1852
November Spread (Stable) ±0.0371

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2015. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0906 points.

Longest Streak 1 Mo.
Sharpest MoM Drop -0.0906

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 3.2000) against the same month in 2014 (average: 2.8980), the exchange rate shifted by +0.3020 (+10.42%).

2015 Avg (March) 3.2000
2014 Avg (March) 2.8980

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.2156 3.0304 3.1167
February 3.1322 3.0813 3.1000
March 3.2672 3.1138 3.2000
April 3.2241 3.1080 3.1823
May 3.1272 3.0422 3.0917
June 3.1227 3.0398 3.0657
July 3.1175 3.0628 3.0850
August 3.0921 2.9069 3.0129
September 3.0389 2.9740 3.0164
October 3.0175 2.9606 2.9934
November 3.0101 2.9730 2.9920
December 2.9829 2.9029 2.9292