YEARLY HIGH
1.1530 TZS
YEARLY LOW
0.8479 TZS
YEARLY AVERAGE
0.9472 TZS

2025 CDF to TZS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the CDF to TZS exchange rate experienced significant fluctuation. The market reached its absolute peak on November 15, valuing the pair at 1.1530. Conversely, the yearly low was recorded on August 11, dropping to 0.8479.

This high-to-low spread represents a total annual volatility of 0.3051 TZS. From a start-to-finish perspective, comparing the January average rate of 0.8800 to the December average rate of 1.0926, the exchange rate registered a net change of 24.16% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 1.1530 was up 19.28% compared to the 2024 peak of 0.9666, 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 5,765 TZS
2024 Average 4,643 TZS
Yearly Trough Low 4,239 TZS
Transaction Impact: A difference of 1,525.49 TZS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1.1300
0.8472
JanuMarcMayJulySeptNove

CDF to TZS 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 0.9120, compared to 0.9824 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0704 points.

H1 Avg (Jan–Jun) 0.9120
H2 Avg (Jul–Dec) 0.9824

Volatility Range Comparison

Volatility

The most volatile month in 2025 was October, with a trading range of 0.2111 TZS (High: 1.1455 / Low: 0.9344). On the other end, May was the most stable month, with a tight range of 0.0173 TZS (High: 0.9396 / Low: 0.9223).

October Spread (Volatile) ±0.2111
May Spread (Stable) ±0.0173

Growth Streaks & Declines

Trends

Between January and May, 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 July and August, when the average rate fell by 0.0270 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.0270

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2025: 1.1064) against the same month in 2024 (average: 0.9322), the exchange rate shifted by +0.1742 (+18.68%).

2025 Avg (November) 1.1064
2024 Avg (November) 0.9322

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 0.8938 0.8489 0.8800
February 0.9131 0.8925 0.9032
March 0.9311 0.9032 0.9206
April 0.9350 0.9083 0.9251
May 0.9396 0.9223 0.9299
June 0.9322 0.8921 0.9131
July 0.9116 0.8797 0.8977
August 0.9027 0.8479 0.8707
September 0.9331 0.8527 0.8724
October 1.1455 0.9344 1.0547
November 1.1530 1.0660 1.1064
December 1.1369 1.0626 1.0926