YEARLY HIGH
141.8021 KPW
YEARLY LOW
122.3652 KPW
YEARLY AVERAGE
134.9806 KPW

2025 HRK to KPW Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to KPW exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 141.8021. Conversely, the yearly low was recorded on January 12, dropping to 122.3652.

This high-to-low spread represents a total annual volatility of 19.4370 KPW. From a start-to-finish perspective, comparing the January average rate of 123.5980 to the December average rate of 139.9499, the exchange rate registered a net change of 13.23% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 141.8021 was up 6.06% compared to the 2024 peak of 133.6980, 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 709,011 KPW
2024 Average 646,196 KPW
Yearly Trough Low 611,826 KPW
Transaction Impact: A difference of 97,184.82 KPW purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

141.8090
121.9425
JanuMarcMayJulySeptNove

HRK to KPW 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 130.6105, compared to 139.3506 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 8.7401 points.

H1 Avg (Jan–Jun) 130.6105
H2 Avg (Jul–Dec) 139.3506

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 8.5471 KPW (High: 137.5172 / Low: 128.9701). On the other end, August was the most stable month, with a tight range of 1.7074 KPW (High: 140.0185 / Low: 138.3111).

April Spread (Volatile) ±8.5471
August Spread (Stable) ±1.7074

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 1.0890 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -1.0890

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 140.1535) against the same month in 2024 (average: 132.6887), the exchange rate shifted by +7.4648 (+5.63%).

2025 Avg (September) 140.1535
2024 Avg (September) 132.6887

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 125.3669 122.3652 123.5980
February 125.6690 122.4159 124.3763
March 130.6751 123.9342 128.9554
April 137.5172 128.9701 134.2750
May 136.0352 132.5446 134.7004
June 140.7797 135.6253 137.7579
July 141.0132 136.4506 139.5901
August 140.0185 138.3111 139.2309
September 141.8021 138.9608 140.1535
October 140.2708 137.8018 139.0645
November 138.9124 137.1899 138.1149
December 140.8967 138.6536 139.9499