2024 TOP to HRK Historical Review

YEARLY HIGH

3.0399 HRK

YEARLY LOW

2.8607 HRK

YEARLY AVERAGE

2.9405 HRK

2024 TOP to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2024

During 2024, the TOP to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on December 18, valuing the pair at 3.0399. Conversely, the yearly low was recorded on August 24, dropping to 2.8607.

This high-to-low spread represents a total annual volatility of 0.1792 HRK. From a start-to-finish perspective, comparing the January average rate of 2.9326 to the December average rate of 3.0050, the exchange rate registered a net change of 2.47% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2024 high of 3.0399 was down 0.53% compared to the 2023 peak of 3.0560, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 15,199 HRK

2023 Average 14,748 HRK

Yearly Trough Low 14,303 HRK

Transaction Impact: A difference of 895.80 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2024.

3.0164

2.8803

JanuMarcMayJulySeptNove

TOP 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 2.9446, compared to 2.9363 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0083 points.

H1 Avg (Jan–Jun) 2.9446

H2 Avg (Jul–Dec) 2.9363

Volatility Range Comparison

Volatility

The most volatile month in 2024 was November, with a trading range of 0.1213 HRK (High: 3.0179 / Low: 2.8965). On the other end, January was the most stable month, with a tight range of 0.0326 HRK (High: 2.9539 / Low: 2.9212).

November Spread (Volatile) ±0.1213

January Spread (Stable) ±0.0326

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 0.0427 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0427

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2024: 3.0050) against the same month in 2023 (average: 2.9366), the exchange rate shifted by +0.0684 (+2.33%).

2024 Avg (December) 3.0050

2023 Avg (December) 2.9366

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.9539	2.9212	2.9326
February	2.9741	2.9199	2.9483
March	2.9521	2.9032	2.9276
April	2.9767	2.9117	2.9481
May	2.9575	2.9211	2.9427
June	2.9881	2.9253	2.9684
July	2.9710	2.9099	2.9344
August	2.9346	2.8607	2.8917
September	2.9173	2.8774	2.8927
October	2.9455	2.9039	2.9272
November	3.0179	2.8965	2.9669
December	3.0399	2.9738	3.0050