YEARLY HIGH
11.0686 AFN
YEARLY LOW
9.4850 AFN
YEARLY AVERAGE
10.4494 AFN

2025 HRK to AFN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to AFN exchange rate experienced significant fluctuation. The market reached its absolute peak on July 1, valuing the pair at 11.0686. Conversely, the yearly low was recorded on January 2, dropping to 9.4850.

This high-to-low spread represents a total annual volatility of 1.5836 AFN. From a start-to-finish perspective, comparing the January average rate of 10.0405 to the December average rate of 10.2529, the exchange rate registered a net change of 2.12% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 11.0686 was up 2.74% compared to the 2024 peak of 10.7734, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 55,343 AFN
2024 Average 50,623 AFN
Yearly Trough Low 47,425 AFN
Transaction Impact: A difference of 7,918.21 AFN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

10.8377
9.9680
JanuMarcMayJulySeptNove

HRK to AFN 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 10.4229, compared to 10.4759 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0531 points.

H1 Avg (Jan–Jun) 10.4229
H2 Avg (Jul–Dec) 10.4759

Volatility Range Comparison

Volatility

The most volatile month in 2025 was January, with a trading range of 1.3825 AFN (High: 10.8676 / Low: 9.4850). On the other end, December was the most stable month, with a tight range of 0.2993 AFN (High: 10.3812 / Low: 10.0819).

January Spread (Volatile) ±1.3825
December Spread (Stable) ±0.2993

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.3490 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.3490

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2025: 10.7652) against the same month in 2024 (average: 10.1914), the exchange rate shifted by +0.5738 (+5.63%).

2025 Avg (July) 10.7652
2024 Avg (July) 10.1914

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 10.8676 9.4850 10.0405
February 10.4353 10.0285 10.1885
March 10.5002 10.0856 10.2540
April 10.9717 10.2923 10.7289
May 10.7635 10.2787 10.5705
June 11.0137 10.4980 10.7548
July 11.0686 10.5216 10.7652
August 10.8421 10.5376 10.6860
September 10.8868 10.4243 10.6618
October 10.7541 10.0621 10.3128
November 10.6010 10.0379 10.1770
December 10.3812 10.0819 10.2529