YEARLY HIGH
92.0975 SOS
YEARLY LOW
77.6277 SOS
YEARLY AVERAGE
85.6961 SOS

2025 HRK to SOS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to SOS exchange rate experienced significant fluctuation. The market reached its absolute peak on October 31, valuing the pair at 92.0975. Conversely, the yearly low was recorded on February 3, dropping to 77.6277.

This high-to-low spread represents a total annual volatility of 14.4698 SOS. From a start-to-finish perspective, comparing the January average rate of 78.4977 to the December average rate of 88.7349, the exchange rate registered a net change of 13.04% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 92.0975 was up 8.53% compared to the 2024 peak of 84.8628, 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 460,488 SOS
2024 Average 410,200 SOS
Yearly Trough Low 388,138 SOS
Transaction Impact: A difference of 72,349.23 SOS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

90.0116
77.4509
JanuMarcMayJulySeptNove

HRK to SOS 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 82.9387, compared to 88.4535 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 5.5148 points.

H1 Avg (Jan–Jun) 82.9387
H2 Avg (Jul–Dec) 88.4535

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 5.3861 SOS (High: 87.3234 / Low: 81.9373). On the other end, November was the most stable month, with a tight range of 1.1097 SOS (High: 88.1706 / Low: 87.0608).

April Spread (Volatile) ±5.3861
November Spread (Stable) ±1.1097

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 0.9705 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.9705

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2025: 88.5605) against the same month in 2024 (average: 82.6618), the exchange rate shifted by +5.8988 (+7.14%).

2025 Avg (October) 88.5605
2024 Avg (October) 82.6618

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 79.6080 77.6967 78.4977
February 79.7656 77.6277 79.0152
March 82.9743 78.6982 81.8653
April 87.3234 81.9373 85.2448
May 86.3882 84.0067 85.5461
June 89.3995 86.0761 87.4631
July 89.5458 86.6249 88.6260
August 88.8738 86.5372 88.2447
September 90.0444 88.2586 88.9649
October 92.0975 87.7280 88.5605
November 88.1706 87.0608 87.5901
December 89.2773 88.0047 88.7349