2025 GMD to HRK Historical Review

YEARLY HIGH

0.1033 HRK

YEARLY LOW

0.0857 HRK

YEARLY AVERAGE

0.0926 HRK

2025 GMD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the GMD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 7, valuing the pair at 0.1033. Conversely, the yearly low was recorded on December 23, dropping to 0.0857.

This high-to-low spread represents a total annual volatility of 0.0176 HRK. From a start-to-finish perspective, comparing the January average rate of 0.1012 to the December average rate of 0.0875, the exchange rate registered a net change of -13.50% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.1033 was down 1.16% compared to the 2024 peak of 0.1045, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 517 HRK

2024 Average 506 HRK

Yearly Trough Low 429 HRK

Transaction Impact: A difference of 87.93 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.1026

0.0862

JanuMarcMayJulySeptNove

GMD 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 0.0962, compared to 0.0890 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0071 points.

H1 Avg (Jan–Jun) 0.0962

H2 Avg (Jul–Dec) 0.0890

Volatility Range Comparison

Volatility

The most volatile month in 2025 was March, with a trading range of 0.0057 HRK (High: 0.1016 / Low: 0.0958). On the other end, November was the most stable month, with a tight range of 0.0020 HRK (High: 0.0901 / Low: 0.0881).

March Spread (Volatile) ±0.0057

November Spread (Stable) ±0.0020

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 0.0042 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0042

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.1012) against the same month in 2024 (average: 0.1027), the exchange rate shifted by -0.0014 (-1.41%).

2025 Avg (January) 0.1012

2024 Avg (January) 0.1027

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1033	0.0989	0.1012
February	0.1027	0.0997	0.1008
March	0.1016	0.0958	0.0975
April	0.0969	0.0912	0.0933
May	0.0941	0.0913	0.0926
June	0.0940	0.0894	0.0916
July	0.0916	0.0889	0.0900
August	0.0908	0.0887	0.0896
September	0.0908	0.0862	0.0886
October	0.0911	0.0868	0.0893
November	0.0901	0.0881	0.0892
December	0.0894	0.0857	0.0875