2025 HRK to XCD Historical Review

YEARLY HIGH

0.4258 XCD

YEARLY LOW

0.3674 XCD

YEARLY AVERAGE

0.4053 XCD

2025 HRK to XCD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to XCD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 16, valuing the pair at 0.4258. Conversely, the yearly low was recorded on January 12, dropping to 0.3674.

This high-to-low spread represents a total annual volatility of 0.0584 XCD. From a start-to-finish perspective, comparing the January average rate of 0.3711 to the December average rate of 0.4202, the exchange rate registered a net change of 13.23% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.4258 was up 6.06% compared to the 2024 peak of 0.4015, 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 2,129 XCD

2024 Average 1,940 XCD

Yearly Trough Low 1,837 XCD

Transaction Impact: A difference of 291.83 XCD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.4258

0.3662

JanuMarcMayJulySeptNove

HRK to XCD 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 0.3921, compared to 0.4184 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0263 points.

H1 Avg (Jan–Jun) 0.3921

H2 Avg (Jul–Dec) 0.4184

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0253 XCD (High: 0.4126 / Low: 0.3873). On the other end, August was the most stable month, with a tight range of 0.0051 XCD (High: 0.4205 / Low: 0.4153).

April Spread (Volatile) ±0.0253

August Spread (Stable) ±0.0051

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 0.0033 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0033

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 0.4209) against the same month in 2024 (average: 0.3984), the exchange rate shifted by +0.0224 (+5.63%).

2025 Avg (September) 0.4209

2024 Avg (September) 0.3984

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3765	0.3674	0.3711
February	0.3774	0.3676	0.3735
March	0.3924	0.3722	0.3872
April	0.4126	0.3873	0.4031
May	0.4085	0.3976	0.4043
June	0.4227	0.4073	0.4137
July	0.4234	0.4097	0.4192
August	0.4205	0.4153	0.4181
September	0.4258	0.4173	0.4209
October	0.4212	0.4138	0.4176
November	0.4171	0.4120	0.4147
December	0.4231	0.4164	0.4202