YEARLY HIGH
49.2764 HUF
YEARLY LOW
46.0861 HUF
YEARLY AVERAGE
47.6152 HUF

2021 HRK to HUF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to HUF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 27, valuing the pair at 49.2764. Conversely, the yearly low was recorded on June 10, dropping to 46.0861.

This high-to-low spread represents a total annual volatility of 3.1902 HUF. From a start-to-finish perspective, comparing the January average rate of 47.5195 to the December average rate of 48.8336, the exchange rate registered a net change of 2.77% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 49.2764 was up 1.34% compared to the 2020 peak of 48.6269, 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 246,382 HUF
2020 Average 232,899 HUF
Yearly Trough Low 230,431 HUF
Transaction Impact: A difference of 15,951.25 HUF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

49.0490
46.4638
JanuMarcMayJulySeptNove

HRK to HUF 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 47.4080, compared to 47.8225 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4145 points.

H1 Avg (Jan–Jun) 47.4080
H2 Avg (Jul–Dec) 47.8225

Volatility Range Comparison

Volatility

The most volatile month in 2021 was September, with a trading range of 1.7253 HUF (High: 48.0578 / Low: 46.3325). On the other end, March was the most stable month, with a tight range of 0.8360 HUF (High: 48.6776 / Low: 47.8416).

September Spread (Volatile) ±1.7253
March Spread (Stable) ±0.8360

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.6710 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.6710

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 48.8336) against the same month in 2020 (average: 47.5959), the exchange rate shifted by +1.2377 (+2.60%).

2021 Avg (December) 48.8336
2020 Avg (December) 47.5959

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 48.0500 47.1698 47.5195
February 47.8077 46.9330 47.3336
March 48.6776 47.8416 48.2611
April 48.0679 47.1451 47.6511
May 47.7691 46.2556 47.0032
June 47.5916 46.0861 46.6793
July 48.0760 46.8809 47.6058
August 47.8421 46.4453 46.9348
September 48.0578 46.3325 47.0114
October 48.5691 47.5586 48.0313
November 49.2263 47.6680 48.5181
December 49.2764 48.2514 48.8336