2025 HRK to BGN Historical Review

YEARLY HIGH

0.2618 BGN

YEARLY LOW

0.2581 BGN

YEARLY AVERAGE

0.2596 BGN

2025 HRK to BGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to BGN exchange rate experienced significant fluctuation. The market reached its absolute peak on April 21, valuing the pair at 0.2618. Conversely, the yearly low was recorded on May 28, dropping to 0.2581.

This high-to-low spread represents a total annual volatility of 0.0037 BGN. From a start-to-finish perspective, comparing the January average rate of 0.2594 to the December average rate of 0.2596, the exchange rate registered a net change of 0.06% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.2618 was up 0.39% compared to the 2024 peak of 0.2608, 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 1,309 BGN

2024 Average 1,298 BGN

Yearly Trough Low 1,291 BGN

Transaction Impact: A difference of 18.32 BGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.2600

0.2594

JanuMarcMayJulySeptNove

HRK to BGN 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 0.2596, compared to 0.2596 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0000 points.

H1 Avg (Jan–Jun) 0.2596

H2 Avg (Jul–Dec) 0.2596

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0032 BGN (High: 0.2618 / Low: 0.2586). On the other end, December was the most stable month, with a tight range of 0.0005 BGN (High: 0.2599 / Low: 0.2594).

April Spread (Volatile) ±0.0032

December Spread (Stable) ±0.0005

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 April and May, when the average rate fell by 0.0004 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0004

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2025: 0.2599) against the same month in 2024 (average: 0.2595), the exchange rate shifted by +0.0005 (+0.18%).

2025 Avg (April) 0.2599

2024 Avg (April) 0.2595

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2600	0.2584	0.2594
February	0.2599	0.2588	0.2595
March	0.2605	0.2586	0.2596
April	0.2618	0.2586	0.2599
May	0.2608	0.2581	0.2595
June	0.2609	0.2589	0.2597
July	0.2600	0.2593	0.2597
August	0.2598	0.2592	0.2596
September	0.2598	0.2593	0.2596
October	0.2599	0.2589	0.2596
November	0.2598	0.2587	0.2595
December	0.2599	0.2594	0.2596