YEARLY HIGH
94.7711 SDG
YEARLY LOW
81.7127 SDG
YEARLY AVERAGE
90.1201 SDG

2025 HRK to SDG Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to SDG exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 94.7711. Conversely, the yearly low was recorded on January 12, dropping to 81.7127.

This high-to-low spread represents a total annual volatility of 13.0584 SDG. From a start-to-finish perspective, comparing the January average rate of 82.5471 to the December average rate of 93.5332, the exchange rate registered a net change of 13.31% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 94.7711 was up 6.06% compared to the 2024 peak of 89.3548, 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 473,855 SDG
2024 Average 429,425 SDG
Yearly Trough Low 408,564 SDG
Transaction Impact: A difference of 65,291.75 SDG purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

94.7150
81.4409
JanuMarcMayJulySeptNove

HRK to SDG 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 87.1795, compared to 93.0608 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 5.8813 points.

H1 Avg (Jan–Jun) 87.1795
H2 Avg (Jul–Dec) 93.0608

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 5.7028 SDG (High: 91.7546 / Low: 86.0517). On the other end, August was the most stable month, with a tight range of 1.1392 SDG (High: 93.4235 / Low: 92.2843).

April Spread (Volatile) ±5.7028
August Spread (Stable) ±1.1392

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 October and November, when the average rate fell by 0.6910 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.6910

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 93.6089) against the same month in 2024 (average: 88.6803), the exchange rate shifted by +4.9286 (+5.56%).

2025 Avg (September) 93.6089
2024 Avg (September) 88.6803

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 83.7172 81.7127 82.5471
February 83.9190 81.7466 83.0557
March 87.2620 82.7605 86.0951
April 91.7546 86.0517 89.5913
May 90.7657 88.4367 89.8751
June 93.9313 90.4922 91.9126
July 94.0871 91.0429 93.1376
August 93.4235 92.2843 92.8980
September 94.7711 92.7178 93.6089
October 93.7477 92.0975 92.9390
November 92.7626 91.5361 92.2480
December 94.1660 92.6668 93.5332