YEARLY HIGH
94.8936 SOS
YEARLY LOW
86.1736 SOS
YEARLY AVERAGE
91.3139 SOS

2021 HRK to SOS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HRK to SOS exchange rate experienced significant fluctuation. The market reached its absolute peak on May 28, valuing the pair at 94.8936. Conversely, the yearly low was recorded on November 25, dropping to 86.1736.

This high-to-low spread represents a total annual volatility of 8.7200 SOS. From a start-to-finish perspective, comparing the January average rate of 93.4991 to the December average rate of 87.4110, the exchange rate registered a net change of -6.51% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 94.8936 was down 0.09% compared to the 2020 peak of 94.9749, 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 474,468 SOS
2020 Average 439,952 SOS
Yearly Trough Low 430,868 SOS
Transaction Impact: A difference of 43,599.97 SOS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

94.5474
86.7622
JanuMarcMayJulySeptNove

HRK to SOS 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 92.7882, compared to 89.8396 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 2.9485 points.

H1 Avg (Jan–Jun) 92.7882
H2 Avg (Jul–Dec) 89.8396

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 3.9525 SOS (High: 90.1261 / Low: 86.1736). On the other end, October was the most stable month, with a tight range of 1.6782 SOS (High: 90.5562 / Low: 88.8780).

November Spread (Volatile) ±3.9525
October Spread (Stable) ±1.6782

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 June and July, when the average rate fell by 1.9521 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -1.9521

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 93.8987) against the same month in 2020 (average: 83.6382), the exchange rate shifted by +10.2605 (+12.27%).

2021 Avg (May) 93.8987
2020 Avg (May) 83.6382

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 94.6685 92.4794 93.4991
February 93.7975 91.7502 92.7990
March 92.6623 89.9287 91.3394
April 93.3975 89.7291 91.7633
May 94.8936 92.5026 93.8987
June 94.8582 91.5793 93.4297
July 92.7100 90.2831 91.4776
August 92.1216 90.1145 90.9516
September 92.3631 89.7755 91.1997
October 90.5562 88.8780 89.8119
November 90.1261 86.1736 88.1860
December 88.3510 86.6084 87.4110