2025 HRK to NAD Historical Review

YEARLY HIGH

2.9243 NAD

YEARLY LOW

2.5210 NAD

YEARLY AVERAGE

2.6802 NAD

2025 HRK to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 14, valuing the pair at 2.9243. Conversely, the yearly low was recorded on February 10, dropping to 2.5210.

This high-to-low spread represents a total annual volatility of 0.4033 NAD. From a start-to-finish perspective, comparing the January average rate of 2.5737 to the December average rate of 2.6161, the exchange rate registered a net change of 1.65% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 2.9243 was up 5.09% compared to the 2024 peak of 2.7826, 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 14,621 NAD

2024 Average 13,156 NAD

Yearly Trough Low 12,605 NAD

Transaction Impact: A difference of 2,016.28 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

2.8476

2.5281

JanuMarcMayJulySeptNove

HRK to NAD 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 2.6709, compared to 2.6894 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0185 points.

H1 Avg (Jan–Jun) 2.6709

H2 Avg (Jul–Dec) 2.6894

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.2894 NAD (High: 2.9243 / Low: 2.6349). On the other end, November was the most stable month, with a tight range of 0.0401 NAD (High: 2.6631 / Low: 2.6230).

April Spread (Volatile) ±0.2894

November Spread (Stable) ±0.0401

Growth Streaks & Declines

Trends

Between February and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0929 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0929

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2025: 2.8210) against the same month in 2024 (average: 2.6872), the exchange rate shifted by +0.1338 (+4.98%).

2025 Avg (April) 2.8210

2024 Avg (April) 2.6872

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.6126	2.5484	2.5737
February	2.5788	2.5210	2.5547
March	2.6496	2.5407	2.6155
April	2.9243	2.6349	2.8210
May	2.8111	2.6697	2.7281
June	2.7816	2.6874	2.7325
July	2.7730	2.7198	2.7509
August	2.7836	2.7089	2.7395
September	2.7512	2.6796	2.7166
October	2.7052	2.6349	2.6701
November	2.6631	2.6230	2.6432
December	2.6457	2.5824	2.6161