YEARLY HIGH
3.4767 PKR
YEARLY LOW
3.0200 PKR
YEARLY AVERAGE
3.2644 PKR

2020 PHP to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PHP to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on August 24, valuing the pair at 3.4767. Conversely, the yearly low was recorded on February 25, dropping to 3.0200.

This high-to-low spread represents a total annual volatility of 0.4566 PKR. From a start-to-finish perspective, comparing the January average rate of 3.0439 to the December average rate of 3.3335, the exchange rate registered a net change of 9.51% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.4767 was up 8.82% compared to the 2019 peak of 3.1948, 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 869,167 PKR
2019 Average 725,781 PKR
Yearly Trough Low 755,007 PKR
Transaction Impact: A difference of 114,159.03 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.4873
2.9980
JanuMarcMayJulySeptNove

PHP to PKR 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 3.1542, compared to 3.3745 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2203 points.

H1 Avg (Jan–Jun) 3.1542
H2 Avg (Jul–Dec) 3.3745

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.2396 PKR (High: 3.2723 / Low: 3.0327). On the other end, December was the most stable month, with a tight range of 0.0266 PKR (High: 3.3446 / Low: 3.3180).

March Spread (Volatile) ±0.2396
December Spread (Stable) ±0.0266

Growth Streaks & Declines

Trends

Between May and August, 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 April and May, when the average rate fell by 0.0755 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0755

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2020: 3.4465) against the same month in 2019 (average: 3.0561), the exchange rate shifted by +0.3904 (+12.77%).

2020 Avg (August) 3.4465
2019 Avg (August) 3.0561

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.0740 3.0279 3.0439
February 3.0581 3.0200 3.0388
March 3.2723 3.0327 3.1096
April 3.3160 3.1582 3.2497
May 3.2314 3.1300 3.1742
June 3.3714 3.2388 3.3090
July 3.4099 3.3582 3.3845
August 3.4767 3.4024 3.4465
September 3.4379 3.4018 3.4219
October 3.4062 3.3128 3.3575
November 3.3336 3.2658 3.3031
December 3.3446 3.3180 3.3335