2025 HRK to ILS Historical Review

YEARLY HIGH

0.5658 ILS

YEARLY LOW

0.4862 ILS

YEARLY AVERAGE

0.5169 ILS

2025 HRK to ILS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to ILS exchange rate experienced significant fluctuation. The market reached its absolute peak on April 21, valuing the pair at 0.5658. Conversely, the yearly low was recorded on January 18, dropping to 0.4862.

This high-to-low spread represents a total annual volatility of 0.0796 ILS. From a start-to-finish perspective, comparing the January average rate of 0.4964 to the December average rate of 0.4998, the exchange rate registered a net change of 0.67% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.5658 was up 0.96% compared to the 2024 peak of 0.5604, 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 2,829 ILS

2024 Average 2,657 ILS

Yearly Trough Low 2,431 ILS

Transaction Impact: A difference of 397.86 ILS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.5569

0.4868

JanuMarcMayJulySeptNove

HRK to ILS 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 0.5218, compared to 0.5120 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0098 points.

H1 Avg (Jan–Jun) 0.5218

H2 Avg (Jul–Dec) 0.5120

Volatility Range Comparison

Volatility

The most volatile month in 2025 was March, with a trading range of 0.0398 ILS (High: 0.5354 / Low: 0.4956). On the other end, December was the most stable month, with a tight range of 0.0081 ILS (High: 0.5034 / Low: 0.4953).

March Spread (Volatile) ±0.0398

December Spread (Stable) ±0.0081

Growth Streaks & Declines

Trends

Between February and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0176 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0176

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2025: 0.5510) against the same month in 2024 (average: 0.5348), the exchange rate shifted by +0.0163 (+3.04%).

2025 Avg (April) 0.5510

2024 Avg (April) 0.5348

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5019	0.4862	0.4964
February	0.5001	0.4863	0.4926
March	0.5354	0.4956	0.5241
April	0.5658	0.5302	0.5510
May	0.5451	0.5221	0.5334
June	0.5517	0.5238	0.5331
July	0.5301	0.5122	0.5198
August	0.5313	0.5146	0.5244
September	0.5258	0.5147	0.5206
October	0.5165	0.4981	0.5078
November	0.5049	0.4924	0.4997
December	0.5034	0.4953	0.4998