2025 CDF to HNL Historical Review

YEARLY HIGH

0.0124 HNL

YEARLY LOW

0.0088 HNL

YEARLY AVERAGE

0.0097 HNL

2025 CDF to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the CDF to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on November 15, valuing the pair at 0.0124. Conversely, the yearly low was recorded on April 1, dropping to 0.0088.

This high-to-low spread represents a total annual volatility of 0.0036 HNL. From a start-to-finish perspective, comparing the January average rate of 0.0089 to the December average rate of 0.0117, the exchange rate registered a net change of 30.60% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0124 was up 33.27% compared to the 2024 peak of 0.0093, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 62 HNL

2024 Average 44 HNL

Yearly Trough Low 44 HNL

Transaction Impact: A difference of 17.89 HNL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0122

0.0086

JanuMarcMayJulySeptNove

CDF to HNL 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 0.0090, compared to 0.0104 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0014 points.

H1 Avg (Jan–Jun) 0.0090

H2 Avg (Jul–Dec) 0.0104

Volatility Range Comparison

Volatility

The most volatile month in 2025 was October, with a trading range of 0.0022 HNL (High: 0.0122 / Low: 0.0100). On the other end, March was the most stable month, with a tight range of 0.0001 HNL (High: 0.0090 / Low: 0.0089).

October Spread (Volatile) ±0.0022

March Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between April and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0002 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0002

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2025: 0.0119) against the same month in 2024 (average: 0.0088), the exchange rate shifted by +0.0031 (+34.66%).

2025 Avg (November) 0.0119

2024 Avg (November) 0.0088

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0090	0.0089	0.0089
February	0.0090	0.0089	0.0089
March	0.0090	0.0089	0.0089
April	0.0090	0.0088	0.0089
May	0.0091	0.0089	0.0090
June	0.0091	0.0090	0.0090
July	0.0091	0.0090	0.0091
August	0.0092	0.0090	0.0091
September	0.0099	0.0090	0.0092
October	0.0122	0.0100	0.0112
November	0.0124	0.0115	0.0119
December	0.0122	0.0115	0.0117