YEARLY HIGH
44.5746 PKR
YEARLY LOW
37.8627 PKR
YEARLY AVERAGE
42.2432 PKR

2025 HRK to PKR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to PKR exchange rate experienced significant fluctuation. The market reached its absolute peak on July 23, valuing the pair at 44.5746. Conversely, the yearly low was recorded on January 10, dropping to 37.8627.

This high-to-low spread represents a total annual volatility of 6.7118 PKR. From a start-to-finish perspective, comparing the January average rate of 38.2767 to the December average rate of 43.6200, the exchange rate registered a net change of 13.96% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 44.5746 was up 7.69% compared to the 2024 peak of 41.3907, 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 222,873 PKR
2024 Average 199,913 PKR
Yearly Trough Low 189,314 PKR
Transaction Impact: A difference of 33,559.22 PKR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

44.6677
37.6957
JanuMarcMayJulySeptNove

HRK to PKR 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 40.7399, compared to 43.7466 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 3.0067 points.

H1 Avg (Jan–Jun) 40.7399
H2 Avg (Jul–Dec) 43.7466

Volatility Range Comparison

Volatility

The most volatile month in 2025 was March, with a trading range of 3.6805 PKR (High: 42.2034 / Low: 38.5229). On the other end, December was the most stable month, with a tight range of 0.5656 PKR (High: 43.8467 / Low: 43.2811).

March Spread (Volatile) ±3.6805
December Spread (Stable) ±0.5656

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 0.4219 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.4219

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2025: 44.0867) against the same month in 2024 (average: 40.0828), the exchange rate shifted by +4.0039 (+9.99%).

2025 Avg (July) 44.0867
2024 Avg (July) 40.0828

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 38.7941 37.8627 38.2767
February 39.0264 38.1469 38.6191
March 42.2034 38.5229 40.1683
April 42.8595 40.1684 41.8616
May 42.6279 41.3791 42.1900
June 44.3847 42.4602 43.3235
July 44.5746 42.9899 44.0867
August 44.1401 43.0839 43.7722
September 44.4307 43.6905 44.0598
October 43.9633 43.0095 43.6379
November 43.5803 42.8744 43.3028
December 43.8467 43.2811 43.6200