YEARLY HIGH
4.3265 HRK
YEARLY LOW
3.7335 HRK
YEARLY AVERAGE
3.9300 HRK

2025 AZN to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the AZN to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 12, valuing the pair at 4.3265. Conversely, the yearly low was recorded on September 16, dropping to 3.7335.

This high-to-low spread represents a total annual volatility of 0.5930 HRK. From a start-to-finish perspective, comparing the January average rate of 4.2836 to the December average rate of 3.7830, the exchange rate registered a net change of -11.69% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 4.3265 was up 1.04% compared to the 2024 peak of 4.2818, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 21,632 HRK
2024 Average 20,486 HRK
Yearly Trough Low 18,667 HRK
Transaction Impact: A difference of 2,965.18 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

4.3342
3.7268
JanuMarcMayJulySeptNove

AZN 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 4.0607, compared to 3.7993 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.2614 points.

H1 Avg (Jan–Jun) 4.0607
H2 Avg (Jul–Dec) 3.7993

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.2551 HRK (High: 4.1049 / Low: 3.8498). On the other end, August was the most stable month, with a tight range of 0.0467 HRK (High: 3.8277 / Low: 3.7810).

April Spread (Volatile) ±0.2551
August Spread (Stable) ±0.0467

Growth Streaks & Declines

Trends

Between September and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.1620 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.1620

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 4.2836) against the same month in 2024 (average: 4.0626), the exchange rate shifted by +0.2210 (+5.44%).

2025 Avg (January) 4.2836
2024 Avg (January) 4.0626

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.3265 4.2229 4.2836
February 4.3247 4.2127 4.2567
March 4.2717 4.0514 4.1060
April 4.1049 3.8498 3.9440
May 3.9942 3.8917 3.9305
June 3.9035 3.7606 3.8434
July 3.8799 3.7543 3.7929
August 3.8277 3.7810 3.8025
September 3.8098 3.7335 3.7774
October 3.8418 3.7742 3.8070
November 3.8590 3.8111 3.8332
December 3.8182 3.7574 3.7830