2025 HNL to PHP Historical Review

YEARLY HIGH

2.3203 PHP

YEARLY LOW

2.1257 PHP

YEARLY AVERAGE

2.2104 PHP

2025 HNL to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HNL to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 10, valuing the pair at 2.3203. Conversely, the yearly low was recorded on May 24, dropping to 2.1257.

This high-to-low spread represents a total annual volatility of 0.1946 PHP. From a start-to-finish perspective, comparing the January average rate of 2.2955 to the December average rate of 2.2359, the exchange rate registered a net change of -2.60% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 2.3203 was down 2.65% compared to the 2024 peak of 2.3834, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 11,602 PHP

2024 Average 11,523 PHP

Yearly Trough Low 10,629 PHP

Transaction Impact: A difference of 973.13 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

2.3112

2.1226

JanuMarcMayJulySeptNove

HNL to PHP 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 2.2167, compared to 2.2040 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0127 points.

H1 Avg (Jan–Jun) 2.2167

H2 Avg (Jul–Dec) 2.2040

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0892 PHP (High: 2.2490 / Low: 2.1598). On the other end, November was the most stable month, with a tight range of 0.0234 PHP (High: 2.2476 / Low: 2.2242).

April Spread (Volatile) ±0.0892

November Spread (Stable) ±0.0234

Growth Streaks & Declines

Trends

Between May and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0650 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0650

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 2.2955) against the same month in 2024 (average: 2.2668), the exchange rate shifted by +0.0287 (+1.27%).

2025 Avg (January) 2.2955

2024 Avg (January) 2.2668

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.3203	2.2754	2.2955
February	2.2904	2.2498	2.2648
March	2.2667	2.2217	2.2391
April	2.2490	2.1598	2.2034
May	2.1626	2.1257	2.1384
June	2.1962	2.1340	2.1593
July	2.2129	2.1435	2.1653
August	2.2226	2.1516	2.1736
September	2.2254	2.1657	2.1868
October	2.2468	2.2063	2.2240
November	2.2476	2.2242	2.2384
December	2.2614	2.2214	2.2359