2020 XPF to HRK Historical Review

YEARLY HIGH

0.0643 HRK

YEARLY LOW

0.0623 HRK

YEARLY AVERAGE

0.0632 HRK

2020 XPF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the XPF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on May 2, valuing the pair at 0.0643. Conversely, the yearly low was recorded on January 20, dropping to 0.0623.

This high-to-low spread represents a total annual volatility of 0.0020 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0624 to the December average rate of 0.0632, the exchange rate registered a net change of 1.31% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0643 was up 2.74% compared to the 2019 peak of 0.0626, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 322 HRK

2019 Average 311 HRK

Yearly Trough Low 312 HRK

Transaction Impact: A difference of 10.09 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0637

0.0623

JanuMarcMayJulySeptNove

XPF 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 0.0632, compared to 0.0632 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0000 points.

H1 Avg (Jan–Jun) 0.0632

H2 Avg (Jul–Dec) 0.0632

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0015 HRK (High: 0.0642 / Low: 0.0627). On the other end, November was the most stable month, with a tight range of 0.0002 HRK (High: 0.0635 / Low: 0.0633).

March Spread (Volatile) ±0.0015

November Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between January and April, 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 June and July, when the average rate fell by 0.0003 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0003

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2020: 0.0636) against the same month in 2019 (average: 0.0622), the exchange rate shifted by +0.0014 (+2.28%).

2020 Avg (May) 0.0636

2019 Avg (May) 0.0622

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0626	0.0623	0.0624
February	0.0626	0.0624	0.0625
March	0.0642	0.0627	0.0635
April	0.0639	0.0633	0.0636
May	0.0643	0.0631	0.0636
June	0.0640	0.0632	0.0634
July	0.0634	0.0623	0.0631
August	0.0632	0.0623	0.0629
September	0.0634	0.0631	0.0632
October	0.0636	0.0634	0.0635
November	0.0635	0.0633	0.0634
December	0.0633	0.0629	0.0632