YEARLY HIGH
1.2713 GTQ
YEARLY LOW
1.1522 GTQ
YEARLY AVERAGE
1.2159 GTQ

2021 HRK to GTQ Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to GTQ exchange rate experienced significant fluctuation. The market reached its absolute peak on January 6, valuing the pair at 1.2713. Conversely, the yearly low was recorded on November 24, dropping to 1.1522.

This high-to-low spread represents a total annual volatility of 0.1191 GTQ. From a start-to-finish perspective, comparing the January average rate of 1.2540 to the December average rate of 1.1617, the exchange rate registered a net change of -7.36% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.2713 was up 0.10% compared to the 2020 peak of 1.2700, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 6,357 GTQ
2020 Average 5,849 GTQ
Yearly Trough Low 5,761 GTQ
Transaction Impact: A difference of 595.54 GTQ purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.2632
1.1524
JanuMarcMayJulySeptNove

HRK to GTQ 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 1.2348, compared to 1.1971 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0377 points.

H1 Avg (Jan–Jun) 1.2348
H2 Avg (Jul–Dec) 1.1971

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0433 GTQ (High: 1.1955 / Low: 1.1522). On the other end, December was the most stable month, with a tight range of 0.0117 GTQ (High: 1.1678 / Low: 1.1561).

November Spread (Volatile) ±0.0433
December Spread (Stable) ±0.0117

Growth Streaks & Declines

Trends

Between March and May, 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 February and March, when the average rate fell by 0.0253 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0253

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 1.2540) against the same month in 2020 (average: 1.1483), the exchange rate shifted by +0.1057 (+9.20%).

2021 Avg (January) 1.2540
2020 Avg (January) 1.1483

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.2713 1.2453 1.2540
February 1.2445 1.2264 1.2367
March 1.2284 1.1943 1.2114
April 1.2385 1.1958 1.2192
May 1.2592 1.2287 1.2458
June 1.2576 1.2233 1.2416
July 1.2280 1.2095 1.2211
August 1.2277 1.2065 1.2160
September 1.2281 1.1956 1.2154
October 1.2031 1.1875 1.1947
November 1.1955 1.1522 1.1736
December 1.1678 1.1561 1.1617