2025 HRK to GMD Historical Review

YEARLY HIGH

11.6631 GMD

YEARLY LOW

9.6780 GMD

YEARLY AVERAGE

10.8269 GMD

2025 HRK to GMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to GMD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 23, valuing the pair at 11.6631. Conversely, the yearly low was recorded on January 7, dropping to 9.6780.

This high-to-low spread represents a total annual volatility of 1.9851 GMD. From a start-to-finish perspective, comparing the January average rate of 9.8826 to the December average rate of 11.4247, the exchange rate registered a net change of 15.61% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 11.6631 was up 10.72% compared to the 2024 peak of 10.5334, 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 58,316 GMD

2024 Average 49,403 GMD

Yearly Trough Low 48,390 GMD

Transaction Impact: A difference of 9,925.57 GMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

11.5790

9.7283

JanuMarcMayJulySeptNove

HRK to GMD 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 10.4182, compared to 11.2355 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.8173 points.

H1 Avg (Jan–Jun) 10.4182

H2 Avg (Jul–Dec) 11.2355

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.6456 GMD (High: 10.9632 / Low: 10.3176). On the other end, November was the most stable month, with a tight range of 0.2515 GMD (High: 11.3445 / Low: 11.0930).

April Spread (Volatile) ±0.6456

November Spread (Stable) ±0.2515

Growth Streaks & Declines

Trends

Between January and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0899 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0899

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 11.4247) against the same month in 2024 (average: 9.9802), the exchange rate shifted by +1.4445 (+14.47%).

2025 Avg (December) 11.4247

2024 Avg (December) 9.9802

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	10.1076	9.6780	9.8826
February	10.0347	9.7409	9.9240
March	10.4341	9.8459	10.2632
April	10.9632	10.3176	10.7222
May	10.9476	10.6309	10.8006
June	11.1842	10.6399	10.9167
July	11.2521	10.9213	11.1145
August	11.2793	11.0120	11.1654
September	11.6029	11.0077	11.2918
October	11.5246	10.9753	11.2019
November	11.3445	11.0930	11.2149
December	11.6631	11.1891	11.4247