YEARLY HIGH
37.9600 YER
YEARLY LOW
33.8293 YER
YEARLY AVERAGE
36.3956 YER

2025 HRK to YER Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HRK to YER exchange rate experienced significant fluctuation. The market reached its absolute peak on July 1, valuing the pair at 37.9600. Conversely, the yearly low was recorded on February 2, dropping to 33.8293.

This high-to-low spread represents a total annual volatility of 4.1307 YER. From a start-to-finish perspective, comparing the January average rate of 34.2292 to the December average rate of 37.0759, the exchange rate registered a net change of 8.32% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 37.9600 was up 2.08% compared to the 2024 peak of 37.1866, 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 189,800 YER
2024 Average 179,700 YER
Yearly Trough Low 169,146 YER
Transaction Impact: A difference of 20,653.38 YER purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

37.7719
33.9071
JanuMarcMayJulySeptNove

HRK to YER 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 35.7033, compared to 37.0879 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.3845 points.

H1 Avg (Jan–Jun) 35.7033
H2 Avg (Jul–Dec) 37.0879

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 2.2140 YER (High: 37.4658 / Low: 35.2518). On the other end, August was the most stable month, with a tight range of 0.4327 YER (High: 37.3694 / Low: 36.9367).

April Spread (Volatile) ±2.2140
August Spread (Stable) ±0.4327

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 0.3968 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.3968

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2025: 37.4498) against the same month in 2024 (average: 36.0560), the exchange rate shifted by +1.3938 (+3.87%).

2025 Avg (July) 37.4498
2024 Avg (July) 36.0560

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 34.6918 33.8884 34.2292
February 34.5338 33.8293 34.2883
March 35.7534 34.0475 35.3137
April 37.4658 35.2518 36.6345
May 36.8693 36.0390 36.5621
June 37.8932 36.7186 37.1922
July 37.9600 36.4854 37.4498
August 37.3694 36.9367 37.1729
September 37.7430 37.0394 37.3138
October 37.2926 36.5175 36.9169
November 36.8118 36.3629 36.5979
December 37.3298 36.7201 37.0759