YEARLY HIGH
20.3557 DZD
YEARLY LOW
18.4773 DZD
YEARLY AVERAGE
19.7324 DZD

2025 HRK to DZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to DZD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 20.3557. Conversely, the yearly low was recorded on January 12, dropping to 18.4773.

This high-to-low spread represents a total annual volatility of 1.8783 DZD. From a start-to-finish perspective, comparing the January average rate of 18.6196 to the December average rate of 20.1781, the exchange rate registered a net change of 8.37% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 20.3557 was up 2.08% compared to the 2024 peak of 19.9404, 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 101,778 DZD
2024 Average 96,301 DZD
Yearly Trough Low 92,387 DZD
Transaction Impact: A difference of 9,391.67 DZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

20.3472
18.4626
JanuMarcMayJulySeptNove

HRK to DZD 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 19.3509, compared to 20.1139 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.7630 points.

H1 Avg (Jan–Jun) 19.3509
H2 Avg (Jul–Dec) 20.1139

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.9505 DZD (High: 20.1649 / Low: 19.2144). On the other end, August was the most stable month, with a tight range of 0.2186 DZD (High: 20.1479 / Low: 19.9293).

April Spread (Volatile) ±0.9505
August Spread (Stable) ±0.2186

Growth Streaks & Declines

Trends

Between January and July, 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 September and October, when the average rate fell by 0.1021 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.1021

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 20.1901) against the same month in 2024 (average: 19.5320), the exchange rate shifted by +0.6582 (+3.37%).

2025 Avg (September) 20.1901
2024 Avg (September) 19.5320

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 18.8294 18.4773 18.6196
February 18.8376 18.4856 18.6804
March 19.3514 18.6278 19.1617
April 20.1649 19.2144 19.8024
May 19.9872 19.7109 19.8676
June 20.2770 19.7985 19.9737
July 20.2693 19.8195 20.1386
August 20.1479 19.9293 20.0806
September 20.3557 20.0574 20.1901
October 20.1978 19.9028 20.0880
November 20.0916 19.8219 20.0079
December 20.3171 20.0476 20.1781