2025 CDF to KES Historical Review

YEARLY HIGH

0.0609 KES

YEARLY LOW

0.0442 KES

YEARLY AVERAGE

0.0479 KES

2025 CDF to KES Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the CDF to KES exchange rate experienced significant fluctuation. The market reached its absolute peak on November 15, valuing the pair at 0.0609. Conversely, the yearly low was recorded on August 3, dropping to 0.0442.

This high-to-low spread represents a total annual volatility of 0.0167 KES. From a start-to-finish perspective, comparing the January average rate of 0.0454 to the December average rate of 0.0572, the exchange rate registered a net change of 26.08% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0609 was up 0.11% compared to the 2024 peak of 0.0608, 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 304 KES

2024 Average 240 KES

Yearly Trough Low 221 KES

Transaction Impact: A difference of 83.35 KES purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0597

0.0432

JanuMarcMayJulySeptNove

CDF to KES 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 0.0449, compared to 0.0510 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0060 points.

H1 Avg (Jan–Jun) 0.0449

H2 Avg (Jul–Dec) 0.0510

Volatility Range Comparison

Volatility

The most volatile month in 2025 was October, with a trading range of 0.0108 KES (High: 0.0602 / Low: 0.0493). On the other end, January was the most stable month, with a tight range of 0.0006 KES (High: 0.0457 / Low: 0.0451).

October Spread (Volatile) ±0.0108

January Spread (Stable) ±0.0006

Growth Streaks & Declines

Trends

Between July and November, 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 November and December, when the average rate fell by 0.0012 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0012

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2025: 0.0583) against the same month in 2024 (average: 0.0452), the exchange rate shifted by +0.0132 (+29.12%).

2025 Avg (November) 0.0583

2024 Avg (November) 0.0452

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0457	0.0451	0.0454
February	0.0456	0.0449	0.0451
March	0.0454	0.0447	0.0451
April	0.0451	0.0445	0.0447
May	0.0450	0.0444	0.0446
June	0.0450	0.0444	0.0447
July	0.0449	0.0443	0.0446
August	0.0452	0.0442	0.0446
September	0.0492	0.0445	0.0456
October	0.0602	0.0493	0.0554
November	0.0609	0.0563	0.0583
December	0.0596	0.0562	0.0572