2020 ZAR to PHP Historical Review

YEARLY HIGH

3.6145 PHP

YEARLY LOW

2.6329 PHP

YEARLY AVERAGE

3.0305 PHP

2020 ZAR to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the ZAR to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 3.6145. Conversely, the yearly low was recorded on April 5, dropping to 2.6329.

This high-to-low spread represents a total annual volatility of 0.9816 PHP. From a start-to-finish perspective, comparing the January average rate of 3.5291 to the December average rate of 3.2343, the exchange rate registered a net change of -8.35% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 3.6145 was down 8.04% compared to the 2019 peak of 3.9305, 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 180,727 PHP

2019 Average 179,318 PHP

Yearly Trough Low 131,647 PHP

Transaction Impact: A difference of 49,079.99 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

3.6099

2.6401

JanuMarcMayJulySeptNove

ZAR to PHP 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 3.0650, compared to 2.9960 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0690 points.

H1 Avg (Jan–Jun) 3.0650

H2 Avg (Jul–Dec) 2.9960

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.4778 PHP (High: 3.3183 / Low: 2.8405). On the other end, October was the most stable month, with a tight range of 0.0955 PHP (High: 2.9964 / Low: 2.9009).

March Spread (Volatile) ±0.4778

October Spread (Stable) ±0.0955

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 March and April, when the average rate fell by 0.3362 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.3362

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 3.5291) against the same month in 2019 (average: 3.7916), the exchange rate shifted by -0.2626 (-6.93%).

2020 Avg (January) 3.5291

2019 Avg (January) 3.7916

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	3.6145	3.3990	3.5291
February	3.4387	3.2524	3.3754
March	3.3183	2.8405	3.0571
April	2.7997	2.6329	2.7209
May	2.9193	2.6530	2.7840
June	3.0260	2.8725	2.9238
July	3.0039	2.8813	2.9470
August	2.9182	2.7747	2.8330
September	2.9979	2.8291	2.9020
October	2.9964	2.9009	2.9511
November	3.1740	2.9841	3.1088
December	3.3082	3.1399	3.2343