2025 HRK to SCR Historical Review

YEARLY HIGH

2.3824 SCR

YEARLY LOW

1.9272 SCR

YEARLY AVERAGE

2.1455 SCR

2025 HRK to SCR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to SCR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 2.3824. Conversely, the yearly low was recorded on January 2, dropping to 1.9272.

This high-to-low spread represents a total annual volatility of 0.4551 SCR. From a start-to-finish perspective, comparing the January average rate of 1.9749 to the December average rate of 2.2395, the exchange rate registered a net change of 13.40% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 2.3824 was up 9.36% compared to the 2024 peak of 2.1785, 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 11,912 SCR

2024 Average 9,816 SCR

Yearly Trough Low 9,636 SCR

Transaction Impact: A difference of 2,275.65 SCR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

2.2965

1.9457

JanuMarcMayJulySeptNove

HRK to SCR 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 2.0815, compared to 2.2096 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1281 points.

H1 Avg (Jan–Jun) 2.0815

H2 Avg (Jul–Dec) 2.2096

Volatility Range Comparison

Volatility

The most volatile month in 2025 was December, with a trading range of 0.2966 SCR (High: 2.3824 / Low: 2.0858). On the other end, May was the most stable month, with a tight range of 0.0556 SCR (High: 2.1489 / Low: 2.0932).

December Spread (Volatile) ±0.2966

May Spread (Stable) ±0.0556

Growth Streaks & Declines

Trends

Between May and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.0768 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0768

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 2.2395) against the same month in 2024 (average: 1.9621), the exchange rate shifted by +0.2774 (+14.14%).

2025 Avg (December) 2.2395

2024 Avg (December) 1.9621

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.0893	1.9272	1.9749
February	2.0649	1.9610	1.9942
March	2.1105	1.9816	2.0561
April	2.1887	2.0766	2.1338
May	2.1489	2.0932	2.1273
June	2.2735	2.1425	2.2025
July	2.2816	2.1445	2.2092
August	2.3424	2.1738	2.2264
September	2.3817	2.1903	2.2673
October	2.3393	2.0899	2.1905
November	2.3332	2.0595	2.1245
December	2.3824	2.0858	2.2395