YEARLY HIGH
27.0934 NGN
YEARLY LOW
19.0451 NGN
YEARLY AVERAGE
23.2050 NGN

2020 ZAR to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ZAR to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 27.0934. Conversely, the yearly low was recorded on April 5, dropping to 19.0451.

This high-to-low spread represents a total annual volatility of 8.0483 NGN. From a start-to-finish perspective, comparing the January average rate of 25.1504 to the December average rate of 25.8238, the exchange rate registered a net change of 2.68% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 27.0934 was down 0.97% compared to the 2019 peak of 27.3589, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 1,354,669 NGN
2019 Average 1,247,296 NGN
Yearly Trough Low 952,253 NGN
Transaction Impact: A difference of 402,415.89 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

26.3390
20.1565
JanuMarcMayJulySeptNove

ZAR to NGN 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 22.7211, compared to 23.6889 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.9677 points.

H1 Avg (Jan–Jun) 22.7211
H2 Avg (Jul–Dec) 23.6889

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 3.0280 NGN (High: 23.9104 / Low: 20.8825). On the other end, October was the most stable month, with a tight range of 0.6173 NGN (High: 23.5366 / Low: 22.9194).

March Spread (Volatile) ±3.0280
October Spread (Stable) ±0.6173

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 February and March, when the average rate fell by 1.9386 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -1.9386

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 25.8238) against the same month in 2019 (average: 25.2026), the exchange rate shifted by +0.6212 (+2.46%).

2020 Avg (December) 25.8238
2019 Avg (December) 25.2026

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 26.1334 24.1223 25.1504
February 24.6629 23.3256 24.1853
March 23.9104 20.8825 22.2467
April 21.4630 19.0451 20.6718
May 22.4659 20.5343 21.4410
June 23.4493 22.2341 22.6316
July 23.7153 22.5733 23.1214
August 23.3792 21.4598 22.3773
September 23.8202 22.2114 22.9496
October 23.5366 22.9194 23.2449
November 25.1780 23.3751 24.6161
December 27.0934 24.9079 25.8238