2025 HRK to JMD Historical Review
A comprehensive breakdown of exchange rate performance throughout the year 2025.
2025 HRK to JMD Performance & Market Timing Review
Analysis of key historical highlights and timing insights for 2025
During 2025, the HRK to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 25.2962. Conversely, the yearly low was recorded on January 2, dropping to 21.2062.
This high-to-low spread represents a total annual volatility of 4.0900 JMD. From a start-to-finish perspective, comparing the January average rate of 21.5570 to the December average rate of 24.8751, the exchange rate registered a net change of 15.39% (reflecting a strengthening trend).
Looking at year-over-year peak valuations, the 2025 high of 25.2962 was up 7.90% compared to the 2024 peak of 23.4437, indicating shifts in long-term support levels.
Comparing the value generated converting 5,000 HRK based on timing:
Trend Visualization
Monthly average fluctuations over the course of 2025.
HRK to JMD Seasonal Trends & Volatility Analysis
A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.
Seasonal Halves (H1 vs H2)
SeasonalThe average exchange rate in the first half of the year (H1: Jan–Jun) was 22.9451, compared to 24.7944 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.8493 points.
Volatility Range Comparison
VolatilityThe most volatile month in 2025 was April, with a trading range of 1.5937 JMD (High: 24.1543 / Low: 22.5606). On the other end, November was the most stable month, with a tight range of 0.2908 JMD (High: 24.7613 / Low: 24.4705).
Growth Streaks & Declines
TrendsBetween 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 October and November, when the average rate fell by 0.1790 points.
Same-Month Historical Baseline
YoY BaselineComparing the current year's strongest month average (September 2025: 24.9398) against the same month in 2024 (average: 23.1560), the exchange rate shifted by +1.7837 (+7.70%).
Monthly Breakdown
Statistical summary for each calendar month.
| Month | High | Low | Average |
|---|---|---|---|
| January | 21.9203 | 21.2062 | 21.5570 |
| February | 22.0298 | 21.4096 | 21.8100 |
| March | 22.7657 | 21.6980 | 22.4761 |
| April | 24.1543 | 22.5606 | 23.5765 |
| May | 24.0679 | 23.3643 | 23.7988 |
| June | 25.1078 | 24.0184 | 24.4523 |
| July | 25.1690 | 24.2493 | 24.8019 |
| August | 24.9298 | 24.2887 | 24.7366 |
| September | 25.2962 | 24.6977 | 24.9398 |
| October | 25.0420 | 24.5572 | 24.7961 |
| November | 24.7613 | 24.4705 | 24.6170 |
| December | 25.0285 | 24.7109 | 24.8751 |