2025 HNL to SBD Historical Review

YEARLY HIGH

0.3330 SBD

YEARLY LOW

0.3074 SBD

YEARLY AVERAGE

0.3195 SBD

2025 HNL to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HNL to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 21, valuing the pair at 0.3330. Conversely, the yearly low was recorded on December 30, dropping to 0.3074.

This high-to-low spread represents a total annual volatility of 0.0256 SBD. From a start-to-finish perspective, comparing the January average rate of 0.3312 to the December average rate of 0.3110, the exchange rate registered a net change of -6.09% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.3330 was down 5.93% compared to the 2024 peak of 0.3539, 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 1,665 SBD

2024 Average 1,694 SBD

Yearly Trough Low 1,537 SBD

Transaction Impact: A difference of 127.98 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.3332

0.3090

JanuMarcMayJulySeptNove

HNL to SBD 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 0.3254, compared to 0.3136 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0118 points.

H1 Avg (Jan–Jun) 0.3254

H2 Avg (Jul–Dec) 0.3136

Volatility Range Comparison

Volatility

The most volatile month in 2025 was August, with a trading range of 0.0074 SBD (High: 0.3182 / Low: 0.3109). On the other end, November was the most stable month, with a tight range of 0.0021 SBD (High: 0.3141 / Low: 0.3120).

August Spread (Volatile) ±0.0074

November Spread (Stable) ±0.0021

Growth Streaks & Declines

Trends

Between August and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0052 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0052

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.3312) against the same month in 2024 (average: 0.3411), the exchange rate shifted by -0.0099 (-2.91%).

2025 Avg (January) 0.3312

2024 Avg (January) 0.3411

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3330	0.3296	0.3312
February	0.3322	0.3274	0.3295
March	0.3302	0.3261	0.3283
April	0.3260	0.3205	0.3231
May	0.3231	0.3200	0.3207
June	0.3211	0.3182	0.3198
July	0.3199	0.3129	0.3163
August	0.3182	0.3109	0.3133
September	0.3147	0.3123	0.3139
October	0.3156	0.3122	0.3140
November	0.3141	0.3120	0.3132
December	0.3141	0.3074	0.3110