2020 PHP to HRK Historical Review

YEARLY HIGH

0.1400 HRK

YEARLY LOW

0.1274 HRK

YEARLY AVERAGE

0.1333 HRK

2020 PHP to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PHP to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on March 20, valuing the pair at 0.1400. Conversely, the yearly low was recorded on December 20, dropping to 0.1274.

This high-to-low spread represents a total annual volatility of 0.0125 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1319 to the December average rate of 0.1288, the exchange rate registered a net change of -2.30% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.1400 was up 4.95% compared to the 2019 peak of 0.1334, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 250,000 PHP based on timing:

Yearly Peak High 34,989 HRK

2019 Average 32,010 HRK

Yearly Trough Low 31,858 HRK

Transaction Impact: A difference of 3,131.02 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.1388

0.1279

JanuMarcMayJulySeptNove

PHP to HRK 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 0.1351, compared to 0.1315 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0036 points.

H1 Avg (Jan–Jun) 0.1351

H2 Avg (Jul–Dec) 0.1315

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0098 HRK (High: 0.1400 / Low: 0.1301). On the other end, January was the most stable month, with a tight range of 0.0024 HRK (High: 0.1330 / Low: 0.1306).

March Spread (Volatile) ±0.0098

January Spread (Stable) ±0.0024

Growth Streaks & Declines

Trends

Between January and April, 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 November and December, when the average rate fell by 0.0035 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0035

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.1344) against the same month in 2019 (average: 0.1251), the exchange rate shifted by +0.0093 (+7.45%).

2020 Avg (March) 0.1344

2019 Avg (March) 0.1251

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1330	0.1306	0.1319
February	0.1362	0.1315	0.1344
March	0.1400	0.1301	0.1344
April	0.1395	0.1366	0.1379
May	0.1391	0.1355	0.1374
June	0.1355	0.1328	0.1344
July	0.1356	0.1283	0.1330
August	0.1317	0.1280	0.1301
September	0.1339	0.1299	0.1319
October	0.1342	0.1316	0.1327
November	0.1342	0.1312	0.1323
December	0.1303	0.1274	0.1288