2025 HRK to LRD Historical Review

YEARLY HIGH

31.4146 LRD

YEARLY LOW

25.1435 LRD

YEARLY AVERAGE

28.9460 LRD

2025 HRK to LRD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to LRD exchange rate experienced significant fluctuation. The market reached its absolute peak on July 1, valuing the pair at 31.4146. Conversely, the yearly low was recorded on January 2, dropping to 25.1435.

This high-to-low spread represents a total annual volatility of 6.2711 LRD. From a start-to-finish perspective, comparing the January average rate of 26.1506 to the December average rate of 27.5528, the exchange rate registered a net change of 5.36% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 31.4146 was up 5.98% compared to the 2024 peak of 29.6418, 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 157,073 LRD

2024 Average 137,465 LRD

Yearly Trough Low 125,718 LRD

Transaction Impact: A difference of 31,355.40 LRD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

31.6258

25.6529

JanuMarcMayJulySeptNove

HRK to LRD 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 28.7368, compared to 29.1551 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4182 points.

H1 Avg (Jan–Jun) 28.7368

H2 Avg (Jul–Dec) 29.1551

Volatility Range Comparison

Volatility

The most volatile month in 2025 was September, with a trading range of 3.6394 LRD (High: 31.2746 / Low: 27.6352). On the other end, October was the most stable month, with a tight range of 0.4190 LRD (High: 28.4425 / Low: 28.0234).

September Spread (Volatile) ±3.6394

October Spread (Stable) ±0.4190

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 August and September, when the average rate fell by 1.9166 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -1.9166

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2025: 31.1281) against the same month in 2024 (average: 28.0723), the exchange rate shifted by +3.0557 (+10.89%).

2025 Avg (July) 31.1281

2024 Avg (July) 28.0723

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	27.5291	25.1435	26.1506
February	27.7621	27.0312	27.4253
March	28.9706	27.3412	28.5684
April	30.4868	28.6761	29.8180
May	30.2334	29.3985	29.8938
June	31.3470	30.1213	30.5650
July	31.4146	30.4562	31.1281
August	31.3033	30.6900	31.0762
September	31.2746	27.6352	29.1596
October	28.4425	28.0234	28.2473
November	28.1696	27.2812	27.7665
December	27.7982	27.2686	27.5528