YEARLY HIGH
4.6344 NAD
YEARLY LOW
3.8756 NAD
YEARLY AVERAGE
4.2511 NAD

2022 PEN to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2022

During 2022, the PEN to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 6, valuing the pair at 4.6344. Conversely, the yearly low was recorded on April 27, dropping to 3.8756.

This high-to-low spread represents a total annual volatility of 0.7588 NAD. From a start-to-finish perspective, comparing the January average rate of 3.9819 to the December average rate of 4.5071, the exchange rate registered a net change of 13.19% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2022 high of 4.6344 was up 8.03% compared to the 2021 peak of 4.2899, 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 23,172 NAD
2021 Average 19,087 NAD
Yearly Trough Low 19,378 NAD
Transaction Impact: A difference of 3,793.97 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2022.

4.6112
3.9247
JanuMarcMayJulySeptNove

PEN to NAD 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 4.0799, compared to 4.4223 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.3424 points.

H1 Avg (Jan–Jun) 4.0799
H2 Avg (Jul–Dec) 4.4223

Volatility Range Comparison

Volatility

The most volatile month in 2022 was March, with a trading range of 0.3706 NAD (High: 4.2518 / Low: 3.8811). On the other end, February was the most stable month, with a tight range of 0.0999 NAD (High: 4.0540 / Low: 3.9541).

March Spread (Volatile) ±0.3706
February Spread (Stable) ±0.0999

Growth Streaks & Declines

Trends

Between July and October, 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 June and July, when the average rate fell by 0.0840 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0840

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2022: 4.5196) against the same month in 2021 (average: 3.8491), the exchange rate shifted by +0.6705 (+17.42%).

2022 Avg (November) 4.5196
2021 Avg (November) 3.8491

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.0746 3.9285 3.9819
February 4.0540 3.9541 4.0182
March 4.2518 3.8811 4.0155
April 4.1846 3.8756 4.0094
May 4.2997 4.1259 4.2422
June 4.3247 4.0720 4.2122
July 4.3466 4.0025 4.1282
August 4.4394 4.1749 4.3138
September 4.5943 4.4035 4.5113
October 4.6309 4.4806 4.5540
November 4.6344 4.3996 4.5196
December 4.6089 4.4382 4.5071