2025 HRK to MGA Historical Review

YEARLY HIGH

716.0794 MGA

YEARLY LOW

639.2889 MGA

YEARLY AVERAGE

679.2745 MGA

2025 HRK to MGA Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to MGA exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 716.0794. Conversely, the yearly low was recorded on January 18, dropping to 639.2889.

This high-to-low spread represents a total annual volatility of 76.7905 MGA. From a start-to-finish perspective, comparing the January average rate of 646.1399 to the December average rate of 701.7990, the exchange rate registered a net change of 8.61% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 716.0794 was up 5.25% compared to the 2024 peak of 680.3742, 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 3,580,397 MGA

2024 Average 3,256,332 MGA

Yearly Trough Low 3,196,445 MGA

Transaction Impact: A difference of 383,952.30 MGA purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

707.3649

640.5740

JanuMarcMayJulySeptNove

HRK to MGA 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 667.6397, compared to 690.9093 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 23.2696 points.

H1 Avg (Jan–Jun) 667.6397

H2 Avg (Jul–Dec) 690.9093

Volatility Range Comparison

Volatility

The most volatile month in 2025 was July, with a trading range of 32.8492 MGA (High: 703.4744 / Low: 670.6251). On the other end, November was the most stable month, with a tight range of 8.8192 MGA (High: 694.5620 / Low: 685.7428).

July Spread (Volatile) ±32.8492

November Spread (Stable) ±8.8192

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 8.7452 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -8.7452

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 701.7990) against the same month in 2024 (average: 653.1542), the exchange rate shifted by +48.6448 (+7.45%).

2025 Avg (December) 701.7990

2024 Avg (December) 653.1542

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	654.6937	639.2889	646.1399
February	657.7611	641.5593	651.1063
March	676.9455	650.6544	669.8841
April	695.9900	666.3627	681.1377
May	688.3378	659.4951	672.3925
June	690.3531	674.2860	685.1773
July	703.4744	670.6251	686.3705
August	690.0875	680.6297	684.0376
September	698.2128	685.3563	691.4706
October	701.0593	687.3120	692.3777
November	694.5620	685.7428	689.4003
December	716.0794	688.9081	701.7990