2020 PEN to SBD Historical Review

YEARLY HIGH

2.5116 SBD

YEARLY LOW

2.2105 SBD

YEARLY AVERAGE

2.3580 SBD

2020 PEN to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 2.5116. Conversely, the yearly low was recorded on December 30, dropping to 2.2105.

This high-to-low spread represents a total annual volatility of 0.3011 SBD. From a start-to-finish perspective, comparing the January average rate of 2.4906 to the December average rate of 2.2334, the exchange rate registered a net change of -10.32% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.5116 was down 0.66% compared to the 2019 peak of 2.5282, 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 12,558 SBD

2019 Average 12,291 SBD

Yearly Trough Low 11,053 SBD

Transaction Impact: A difference of 1,505.26 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.5163

2.2077

JanuMarcMayJulySeptNove

PEN to SBD 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 2.4301, compared to 2.2860 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1441 points.

H1 Avg (Jan–Jun) 2.4301

H2 Avg (Jul–Dec) 2.2860

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1756 SBD (High: 2.4899 / Low: 2.3143). On the other end, August was the most stable month, with a tight range of 0.0379 SBD (High: 2.3430 / Low: 2.3051).

March Spread (Volatile) ±0.1756

August Spread (Stable) ±0.0379

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 0.0599 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0599

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 2.4906) against the same month in 2019 (average: 2.4256), the exchange rate shifted by +0.0650 (+2.68%).

2020 Avg (January) 2.4906

2019 Avg (January) 2.4256

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.5116	2.4425	2.4906
February	2.4585	2.3894	2.4342
March	2.4899	2.3143	2.3743
April	2.4731	2.3994	2.4445
May	2.4646	2.4214	2.4369
June	2.4510	2.3608	2.4002
July	2.3914	2.3367	2.3662
August	2.3430	2.3051	2.3190
September	2.3431	2.2668	2.3010
October	2.2805	2.2362	2.2590
November	2.2567	2.2108	2.2372
December	2.2502	2.2105	2.2334