2025 ISK to HRK Historical Review

YEARLY HIGH

0.0533 HRK

YEARLY LOW

0.0506 HRK

YEARLY AVERAGE

0.0521 HRK

2025 ISK to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the ISK to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on October 8, valuing the pair at 0.0533. Conversely, the yearly low was recorded on December 6, dropping to 0.0506.

This high-to-low spread represents a total annual volatility of 0.0027 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0519 to the December average rate of 0.0509, the exchange rate registered a net change of -1.97% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0533 was up 1.76% compared to the 2024 peak of 0.0524, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 266 HRK

2024 Average 252 HRK

Yearly Trough Low 253 HRK

Transaction Impact: A difference of 13.62 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0532

0.0507

JanuMarcMayJulySeptNove

ISK 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 0.0519, compared to 0.0522 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0003 points.

H1 Avg (Jan–Jun) 0.0519

H2 Avg (Jul–Dec) 0.0522

Volatility Range Comparison

Volatility

The most volatile month in 2025 was March, with a trading range of 0.0018 HRK (High: 0.0529 / Low: 0.0511). On the other end, August was the most stable month, with a tight range of 0.0003 HRK (High: 0.0529 / Low: 0.0525).

March Spread (Volatile) ±0.0018

August Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

Between February and April, 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 October and November, when the average rate fell by 0.0016 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0016

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2025: 0.0530) against the same month in 2024 (average: 0.0505), the exchange rate shifted by +0.0024 (+4.80%).

2025 Avg (October) 0.0530

2024 Avg (October) 0.0505

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0525	0.0514	0.0519
February	0.0519	0.0512	0.0515
March	0.0529	0.0511	0.0519
April	0.0524	0.0516	0.0519
May	0.0523	0.0513	0.0518
June	0.0531	0.0521	0.0526
July	0.0531	0.0526	0.0529
August	0.0529	0.0525	0.0526
September	0.0531	0.0525	0.0527
October	0.0533	0.0520	0.0530
November	0.0524	0.0508	0.0514
December	0.0512	0.0506	0.0509