YEARLY HIGH
4.4167 XPF
YEARLY LOW
3.8868 XPF
YEARLY AVERAGE
4.1862 XPF

2021 HNL to XPF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to XPF exchange rate experienced significant fluctuation. The market reached its absolute peak on November 25, valuing the pair at 4.4167. Conversely, the yearly low was recorded on January 6, dropping to 3.8868.

This high-to-low spread represents a total annual volatility of 0.5299 XPF. From a start-to-finish perspective, comparing the January average rate of 4.0456 to the December average rate of 4.3467, the exchange rate registered a net change of 7.44% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 4.4167 was down 1.80% compared to the 2020 peak of 4.4978, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 22,084 XPF
2020 Average 21,150 XPF
Yearly Trough Low 19,434 XPF
Transaction Impact: A difference of 2,649.53 XPF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

4.3768
4.0155
JanuMarcMayJulySeptNove

HNL to XPF 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 4.1002, compared to 4.2723 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1720 points.

H1 Avg (Jan–Jun) 4.1002
H2 Avg (Jul–Dec) 4.2723

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.2081 XPF (High: 4.0949 / Low: 3.8868). On the other end, October was the most stable month, with a tight range of 0.0666 XPF (High: 4.2937 / Low: 4.2271).

January Spread (Volatile) ±0.2081
October Spread (Stable) ±0.0666

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 0.0640 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0640

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 4.3315) against the same month in 2020 (average: 4.1279), the exchange rate shifted by +0.2037 (+4.93%).

2021 Avg (November) 4.3315
2020 Avg (November) 4.1279

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.0949 3.8868 4.0456
February 4.1123 4.0325 4.0704
March 4.2203 4.0647 4.1426
April 4.2055 4.0761 4.1420
May 4.1233 4.0437 4.0780
June 4.2088 4.0545 4.1228
July 4.2757 4.1879 4.2262
August 4.3030 4.2091 4.2628
September 4.2665 4.1753 4.2068
October 4.2937 4.2271 4.2594
November 4.4167 4.2541 4.3315
December 4.3829 4.2999 4.3467