2025 JMD to HRK Historical Review

YEARLY HIGH

0.0472 HRK

YEARLY LOW

0.0395 HRK

YEARLY AVERAGE

0.0420 HRK

2025 JMD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the JMD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 2, valuing the pair at 0.0472. Conversely, the yearly low was recorded on September 16, dropping to 0.0395.

This high-to-low spread represents a total annual volatility of 0.0076 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0464 to the December average rate of 0.0402, the exchange rate registered a net change of -13.35% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0472 was up 1.23% compared to the 2024 peak of 0.0466, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 236 HRK

2024 Average 223 HRK

Yearly Trough Low 198 HRK

Transaction Impact: A difference of 38.12 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0470

0.0395

JanuMarcMayJulySeptNove

JMD 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 0.0437, compared to 0.0403 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0033 points.

H1 Avg (Jan–Jun) 0.0437

H2 Avg (Jul–Dec) 0.0403

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0029 HRK (High: 0.0443 / Low: 0.0414). On the other end, November was the most stable month, with a tight range of 0.0005 HRK (High: 0.0409 / Low: 0.0404).

April Spread (Volatile) ±0.0029

November Spread (Stable) ±0.0005

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 March and April, when the average rate fell by 0.0021 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0021

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.0464) against the same month in 2024 (average: 0.0445), the exchange rate shifted by +0.0018 (+4.14%).

2025 Avg (January) 0.0464

2024 Avg (January) 0.0445

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0472	0.0456	0.0464
February	0.0467	0.0454	0.0459
March	0.0461	0.0439	0.0445
April	0.0443	0.0414	0.0424
May	0.0428	0.0415	0.0420
June	0.0416	0.0398	0.0409
July	0.0412	0.0397	0.0403
August	0.0412	0.0401	0.0404
September	0.0405	0.0395	0.0401
October	0.0407	0.0399	0.0403
November	0.0409	0.0404	0.0406
December	0.0405	0.0400	0.0402