YEARLY HIGH
68.2476 KMF
YEARLY LOW
63.7308 KMF
YEARLY AVERAGE
65.4401 KMF

2025 HRK to KMF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to KMF exchange rate experienced significant fluctuation. The market reached its absolute peak on April 16, valuing the pair at 68.2476. Conversely, the yearly low was recorded on May 12, dropping to 63.7308.

This high-to-low spread represents a total annual volatility of 4.5168 KMF. From a start-to-finish perspective, comparing the January average rate of 65.3615 to the December average rate of 65.3701, the exchange rate registered a net change of 0.01% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 68.2476 was up 3.23% compared to the 2024 peak of 66.1151, 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 341,238 KMF
2024 Average 326,712 KMF
Yearly Trough Low 318,654 KMF
Transaction Impact: A difference of 22,584.14 KMF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

66.4785
64.9565
JanuMarcMayJulySeptNove

HRK to KMF 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 65.5224, compared to 65.3578 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1646 points.

H1 Avg (Jan–Jun) 65.5224
H2 Avg (Jul–Dec) 65.3578

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 3.5389 KMF (High: 68.2476 / Low: 64.7087). On the other end, December was the most stable month, with a tight range of 0.3978 KMF (High: 65.5912 / Low: 65.1934).

April Spread (Volatile) ±3.5389
December Spread (Stable) ±0.3978

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 1.2683 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -1.2683

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2025: 66.3517) against the same month in 2024 (average: 65.2964), the exchange rate shifted by +1.0553 (+1.62%).

2025 Avg (April) 66.3517
2024 Avg (April) 65.2964

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 66.2699 64.9979 65.3615
February 65.9292 64.9133 65.3744
March 66.4752 65.0855 65.5155
April 68.2476 64.7087 66.3517
May 65.8194 63.7308 65.0834
June 66.1958 65.1202 65.4476
July 65.7470 65.2187 65.4059
August 65.7445 64.2802 65.3835
September 65.9381 65.0086 65.3840
October 65.6806 64.9649 65.3768
November 65.8534 64.5028 65.2265
December 65.5912 65.1934 65.3701