2025 HTG to HRK Historical Review

YEARLY HIGH

0.0563 HRK

YEARLY LOW

0.0485 HRK

YEARLY AVERAGE

0.0510 HRK

2025 HTG to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HTG to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 15, valuing the pair at 0.0563. Conversely, the yearly low was recorded on September 16, dropping to 0.0485.

This high-to-low spread represents a total annual volatility of 0.0078 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0557 to the December average rate of 0.0491, the exchange rate registered a net change of -11.92% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0563 was up 1.10% compared to the 2024 peak of 0.0557, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HTG based on timing:

Yearly Peak High 282 HRK

2024 Average 264 HRK

Yearly Trough Low 242 HRK

Transaction Impact: A difference of 39.18 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0564

0.0484

JanuMarcMayJulySeptNove

HTG to HRK 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 0.0527, compared to 0.0493 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0034 points.

H1 Avg (Jan–Jun) 0.0527

H2 Avg (Jul–Dec) 0.0493

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0030 HRK (High: 0.0532 / Low: 0.0502). On the other end, December was the most stable month, with a tight range of 0.0008 HRK (High: 0.0496 / Low: 0.0488).

April Spread (Volatile) ±0.0030

December Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between September and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0020 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0020

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.0557) against the same month in 2024 (average: 0.0525), the exchange rate shifted by +0.0033 (+6.24%).

2025 Avg (January) 0.0557

2024 Avg (January) 0.0525

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0563	0.0549	0.0557
February	0.0563	0.0542	0.0552
March	0.0553	0.0525	0.0532
April	0.0532	0.0502	0.0513
May	0.0520	0.0506	0.0511
June	0.0508	0.0488	0.0498
July	0.0503	0.0487	0.0491
August	0.0504	0.0491	0.0494
September	0.0495	0.0485	0.0491
October	0.0499	0.0490	0.0495
November	0.0501	0.0491	0.0498
December	0.0496	0.0488	0.0491