2021 XPF to HRK Historical Review

YEARLY HIGH

0.0638 HRK

YEARLY LOW

0.0626 HRK

YEARLY AVERAGE

0.0631 HRK

2021 XPF to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XPF to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on April 5, valuing the pair at 0.0638. Conversely, the yearly low was recorded on June 17, dropping to 0.0626.

This high-to-low spread represents a total annual volatility of 0.0011 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0634 to the December average rate of 0.0630, the exchange rate registered a net change of -0.51% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0638 was down 0.86% compared to the 2020 peak of 0.0643, 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 319 HRK

2020 Average 316 HRK

Yearly Trough Low 313 HRK

Transaction Impact: A difference of 5.66 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0636

0.0627

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 0.0633, compared to 0.0629 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0004 points.

H1 Avg (Jan–Jun) 0.0633

H2 Avg (Jul–Dec) 0.0629

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.0007 HRK (High: 0.0635 / Low: 0.0628). On the other end, August was the most stable month, with a tight range of 0.0001 HRK (High: 0.0629 / Low: 0.0628).

January Spread (Volatile) ±0.0007

August Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between September and December, 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 April and May, when the average rate fell by 0.0004 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0004

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2021: 0.0634) against the same month in 2020 (average: 0.0636), the exchange rate shifted by -0.0002 (-0.30%).

2021 Avg (April) 0.0634

2020 Avg (April) 0.0636

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0635	0.0628	0.0634
February	0.0636	0.0633	0.0635
March	0.0637	0.0634	0.0635
April	0.0638	0.0632	0.0634
May	0.0633	0.0628	0.0630
June	0.0629	0.0626	0.0628
July	0.0632	0.0627	0.0629
August	0.0629	0.0628	0.0628
September	0.0629	0.0627	0.0628
October	0.0631	0.0627	0.0629
November	0.0633	0.0629	0.0630
December	0.0633	0.0629	0.0630