YEARLY HIGH
5.3049 HRK
YEARLY LOW
4.8273 HRK
YEARLY AVERAGE
5.0786 HRK

2021 CAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the CAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 24, valuing the pair at 5.3049. Conversely, the yearly low was recorded on January 4, dropping to 4.8273.

This high-to-low spread represents a total annual volatility of 0.4776 HRK. From a start-to-finish perspective, comparing the January average rate of 4.8827 to the December average rate of 5.1981, the exchange rate registered a net change of 6.46% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 5.3049 was up 1.80% compared to the 2020 peak of 5.2111, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 CAD based on timing:

Yearly Peak High 26,525 HRK
2020 Average 24,647 HRK
Yearly Trough Low 24,137 HRK
Transaction Impact: A difference of 2,387.77 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

5.2783
4.8467
JanuMarcMayJulySeptNove

CAD 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 5.0242, compared to 5.1330 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1089 points.

H1 Avg (Jan–Jun) 5.0242
H2 Avg (Jul–Dec) 5.1330

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.1748 HRK (High: 5.1383 / Low: 4.9635). On the other end, June was the most stable month, with a tight range of 0.0434 HRK (High: 5.1111 / Low: 5.0677).

March Spread (Volatile) ±0.1748
June Spread (Stable) ±0.0434

Growth Streaks & Declines

Trends

Between January and March, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0442 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0442

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 5.2424) against the same month in 2020 (average: 4.8819), the exchange rate shifted by +0.3605 (+7.38%).

2021 Avg (November) 5.2424
2020 Avg (November) 4.8819

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.9431 4.8273 4.8827
February 4.9789 4.8865 4.9319
March 5.1383 4.9635 5.0677
April 5.1439 4.9915 5.0619
May 5.1412 5.0799 5.1077
June 5.1111 5.0677 5.0930
July 5.1252 4.9917 5.0715
August 5.1096 4.9979 5.0544
September 5.1030 4.9847 5.0259
October 5.2394 5.1145 5.2058
November 5.3049 5.2005 5.2424
December 5.2761 5.1512 5.1981