YEARLY HIGH
32.9660 GYD
YEARLY LOW
28.4457 GYD
YEARLY AVERAGE
31.3770 GYD

2025 HRK to GYD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to GYD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 32.9660. Conversely, the yearly low was recorded on January 10, dropping to 28.4457.

This high-to-low spread represents a total annual volatility of 4.5203 GYD. From a start-to-finish perspective, comparing the January average rate of 28.7355 to the December average rate of 32.5297, the exchange rate registered a net change of 13.20% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 32.9660 was up 5.99% compared to the 2024 peak of 31.1026, 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 164,830 GYD
2024 Average 150,221 GYD
Yearly Trough Low 142,228 GYD
Transaction Impact: A difference of 22,601.70 GYD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

32.9534
28.3520
JanuMarcMayJulySeptNove

HRK to GYD 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 30.3766, compared to 32.3773 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 2.0006 points.

H1 Avg (Jan–Jun) 30.3766
H2 Avg (Jul–Dec) 32.3773

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 1.9638 GYD (High: 32.0473 / Low: 30.0835). On the other end, November was the most stable month, with a tight range of 0.3837 GYD (High: 32.2739 / Low: 31.8902).

April Spread (Volatile) ±1.9638
November Spread (Stable) ±0.3837

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 0.2483 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.2483

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 32.5700) against the same month in 2024 (average: 30.8488), the exchange rate shifted by +1.7212 (+5.58%).

2025 Avg (September) 32.5700
2024 Avg (September) 30.8488

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 29.1513 28.4457 28.7355
February 29.1902 28.6674 28.9566
March 30.4506 28.7932 29.9800
April 32.0473 30.0835 31.2386
May 31.6726 30.7549 31.3174
June 32.7270 31.5116 32.0318
July 32.7715 31.7060 32.4382
August 32.5402 31.6791 32.3212
September 32.9660 32.2854 32.5700
October 32.6199 32.0652 32.3217
November 32.2739 31.8902 32.0829
December 32.7417 32.2187 32.5297