2025 HTG to NGN Historical Review

YEARLY HIGH

12.9570 NGN

YEARLY LOW

10.8019 NGN

YEARLY AVERAGE

11.6310 NGN

2025 HTG to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the HTG to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 12.9570. Conversely, the yearly low was recorded on November 9, dropping to 10.8019.

This high-to-low spread represents a total annual volatility of 2.1550 NGN. From a start-to-finish perspective, comparing the January average rate of 11.8804 to the December average rate of 11.0913, the exchange rate registered a net change of -6.64% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 12.9570 was up 0.19% compared to the 2024 peak of 12.9319, 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 64,785 NGN

2024 Average 55,689 NGN

Yearly Trough Low 54,010 NGN

Transaction Impact: A difference of 10,775.24 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

12.3323

10.9193

JanuMarcMayJulySeptNove

HTG to NGN 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 11.8962, compared to 11.3659 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.5303 points.

H1 Avg (Jan–Jun) 11.8962

H2 Avg (Jul–Dec) 11.3659

Volatility Range Comparison

Volatility

The most volatile month in 2025 was February, with a trading range of 1.6061 NGN (High: 12.9570 / Low: 11.3509). On the other end, July was the most stable month, with a tight range of 0.1034 NGN (High: 11.7329 / Low: 11.6295).

February Spread (Volatile) ±1.6061

July Spread (Stable) ±0.1034

Growth Streaks & Declines

Trends

Between March and May, 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 May and June, when the average rate fell by 0.3696 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.3696

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2025: 11.6832) against the same month in 2024 (average: 10.4123), the exchange rate shifted by +1.2709 (+12.21%).

2025 Avg (February) 11.6832

2024 Avg (February) 10.4123

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	11.9683	11.8197	11.8804
February	12.9570	11.3509	11.6832
March	11.8562	11.4235	11.6494
April	12.3328	11.4853	12.1045
May	12.2794	12.1094	12.2146
June	12.1318	11.7298	11.8450
July	11.7329	11.6295	11.6635
August	11.7564	11.6143	11.7161
September	11.7724	11.3408	11.4952
October	11.3574	11.0462	11.1923
November	11.1206	10.8019	11.0370
December	11.1504	11.0423	11.0913