2020 PEN to SAR Historical Review

YEARLY HIGH

1.1348 SAR

YEARLY LOW

1.0234 SAR

YEARLY AVERAGE

1.0747 SAR

2020 PEN to SAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to SAR exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 1.1348. Conversely, the yearly low was recorded on November 16, dropping to 1.0234.

This high-to-low spread represents a total annual volatility of 0.1114 SAR. From a start-to-finish perspective, comparing the January average rate of 1.1281 to the December average rate of 1.0419, the exchange rate registered a net change of -7.64% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.1348 was down 0.71% compared to the 2019 peak of 1.1429, 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 5,674 SAR

2019 Average 5,621 SAR

Yearly Trough Low 5,117 SAR

Transaction Impact: A difference of 556.82 SAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.1370

1.0307

JanuMarcMayJulySeptNove

PEN to SAR 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 1.0994, compared to 1.0500 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0495 points.

H1 Avg (Jan–Jun) 1.0994

H2 Avg (Jul–Dec) 1.0500

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0649 SAR (High: 1.1155 / Low: 1.0506). On the other end, December was the most stable month, with a tight range of 0.0102 SAR (High: 1.0466 / Low: 1.0364).

March Spread (Volatile) ±0.0649

December Spread (Stable) ±0.0102

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0296 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0296

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 1.1281) against the same month in 2019 (average: 1.1219), the exchange rate shifted by +0.0062 (+0.56%).

2020 Avg (January) 1.1281

2019 Avg (January) 1.1219

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.1348	1.1083	1.1281
February	1.1157	1.0860	1.1064
March	1.1155	1.0506	1.0768
April	1.1166	1.0871	1.1057
May	1.1189	1.0899	1.0996
June	1.1037	1.0606	1.0801
July	1.0727	1.0583	1.0666
August	1.0648	1.0460	1.0535
September	1.0642	1.0416	1.0550
October	1.0492	1.0353	1.0432
November	1.0485	1.0234	1.0396
December	1.0466	1.0364	1.0419