YEARLY HIGH
5.9249 SCR
YEARLY LOW
3.5712 SCR
YEARLY AVERAGE
4.8992 SCR

2020 PEN to SCR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to SCR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 4, valuing the pair at 5.9249. Conversely, the yearly low was recorded on March 16, dropping to 3.5712.

This high-to-low spread represents a total annual volatility of 2.3537 SCR. From a start-to-finish perspective, comparing the January average rate of 4.1085 to the December average rate of 5.8865, the exchange rate registered a net change of 43.28% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 5.9249 was up 39.30% compared to the 2019 peak of 4.2532, 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 29,625 SCR
2019 Average 20,500 SCR
Yearly Trough Low 17,856 SCR
Transaction Impact: A difference of 11,768.30 SCR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

6.0832
3.7223
JanuMarcMayJulySeptNove

PEN to SCR 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 4.5044, compared to 5.2941 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.7898 points.

H1 Avg (Jan–Jun) 4.5044
H2 Avg (Jul–Dec) 5.2941

Volatility Range Comparison

Volatility

The most volatile month in 2020 was April, with a trading range of 1.2099 SCR (High: 5.2027 / Low: 3.9928). On the other end, September was the most stable month, with a tight range of 0.0993 SCR (High: 5.0920 / Low: 4.9927).

April Spread (Volatile) ±1.2099
September Spread (Stable) ±0.0993

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.1112 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.1112

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 5.8865) against the same month in 2019 (average: 4.0874), the exchange rate shifted by +1.7991 (+44.01%).

2020 Avg (December) 5.8865
2019 Avg (December) 4.0874

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.1427 3.8803 4.1085
February 4.0742 3.8451 4.0302
March 4.1825 3.5712 3.9190
April 5.2027 3.9928 4.8175
May 5.3143 4.6809 5.0931
June 5.1790 4.7974 5.0578
July 5.1034 4.9660 5.0215
August 5.1704 4.9737 5.0180
September 5.0920 4.9927 5.0492
October 5.3579 4.9620 5.1429
November 5.8055 5.3439 5.6467
December 5.9249 5.7671 5.8865