YEARLY HIGH
3.3565 CZK
YEARLY LOW
3.2006 CZK
YEARLY AVERAGE
3.2770 CZK

2025 HRK to CZK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to CZK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 16, valuing the pair at 3.3565. Conversely, the yearly low was recorded on December 3, dropping to 3.2006.

This high-to-low spread represents a total annual volatility of 0.1559 CZK. From a start-to-finish perspective, comparing the January average rate of 3.3390 to the December average rate of 3.2197, the exchange rate registered a net change of -3.57% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 3.3565 was down 0.73% compared to the 2024 peak of 3.3813, 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 16,783 CZK
2024 Average 16,668 CZK
Yearly Trough Low 16,003 CZK
Transaction Impact: A difference of 779.50 CZK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

3.3513
3.2041
JanuMarcMayJulySeptNove

HRK to CZK 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 3.3184, compared to 3.2356 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0828 points.

H1 Avg (Jan–Jun) 3.3184
H2 Avg (Jul–Dec) 3.2356

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0437 CZK (High: 3.3537 / Low: 3.3100). On the other end, May was the most stable month, with a tight range of 0.0174 CZK (High: 3.3156 / Low: 3.2982).

April Spread (Volatile) ±0.0437
May Spread (Stable) ±0.0174

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 June and July, when the average rate fell by 0.0232 points.

Longest Streak 1 Mo.
Sharpest MoM Drop -0.0232

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 3.3390) against the same month in 2024 (average: 3.2802), the exchange rate shifted by +0.0588 (+1.79%).

2025 Avg (January) 3.3390
2024 Avg (January) 3.2802

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.3565 3.3284 3.3390
February 3.3487 3.3091 3.3288
March 3.3295 3.3042 3.3174
April 3.3537 3.3100 3.3266
May 3.3156 3.2982 3.3068
June 3.3096 3.2820 3.2915
July 3.2762 3.2583 3.2683
August 3.2650 3.2422 3.2523
September 3.2501 3.2174 3.2303
October 3.2379 3.2182 3.2266
November 3.2354 3.2031 3.2164
December 3.2375 3.2006 3.2197