YEARLY HIGH
3.1610 HRK
YEARLY LOW
2.8058 HRK
YEARLY AVERAGE
2.9328 HRK

2025 FJD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the FJD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 2, valuing the pair at 3.1610. Conversely, the yearly low was recorded on December 18, dropping to 2.8058.

This high-to-low spread represents a total annual volatility of 0.3552 HRK. From a start-to-finish perspective, comparing the January average rate of 3.1319 to the December average rate of 2.8308, the exchange rate registered a net change of -9.62% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 3.1610 was down 0.54% compared to the 2024 peak of 3.1781, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 15,805 HRK
2024 Average 15,482 HRK
Yearly Trough Low 14,029 HRK
Transaction Impact: A difference of 1,776.10 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

3.1679
2.8001
JanuMarcMayJulySeptNove

FJD 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 3.0128, compared to 2.8528 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1601 points.

H1 Avg (Jan–Jun) 3.0128
H2 Avg (Jul–Dec) 2.8528

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.1378 HRK (High: 2.9957 / Low: 2.8579). On the other end, November was the most stable month, with a tight range of 0.0340 HRK (High: 2.8775 / Low: 2.8435).

April Spread (Volatile) ±0.1378
November Spread (Stable) ±0.0340

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2025. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.1084 points.

Longest Streak 1 Mo.
Sharpest MoM Drop -0.1084

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2025: 3.1372) against the same month in 2024 (average: 3.1038), the exchange rate shifted by +0.0334 (+1.08%).

2025 Avg (February) 3.1372
2024 Avg (February) 3.1038

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.1496 3.0867 3.1319
February 3.1610 3.1178 3.1372
March 3.1254 2.9912 3.0313
April 2.9957 2.8579 2.9229
May 2.9677 2.9223 2.9474
June 2.9373 2.8621 2.9061
July 2.9066 2.8298 2.8664
August 2.8761 2.8416 2.8612
September 2.8719 2.8213 2.8515
October 2.8775 2.8183 2.8508
November 2.8775 2.8435 2.8559
December 2.8626 2.8058 2.8308