2025 LRD to HRK Historical Review

YEARLY HIGH

0.0398 HRK

YEARLY LOW

0.0318 HRK

YEARLY AVERAGE

0.0347 HRK

2025 LRD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the LRD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 2, valuing the pair at 0.0398. Conversely, the yearly low was recorded on July 1, dropping to 0.0318.

This high-to-low spread represents a total annual volatility of 0.0079 HRK. From a start-to-finish perspective, comparing the January average rate of 0.0383 to the December average rate of 0.0363, the exchange rate registered a net change of -5.17% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0398 was down 1.10% compared to the 2024 peak of 0.0402, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 199 HRK

2024 Average 182 HRK

Yearly Trough Low 159 HRK

Transaction Impact: A difference of 39.70 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0389

0.0315

JanuMarcMayJulySeptNove

LRD 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 0.0349, compared to 0.0344 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0005 points.

H1 Avg (Jan–Jun) 0.0349

H2 Avg (Jul–Dec) 0.0344

Volatility Range Comparison

Volatility

The most volatile month in 2025 was September, with a trading range of 0.0042 HRK (High: 0.0362 / Low: 0.0320). On the other end, October was the most stable month, with a tight range of 0.0005 HRK (High: 0.0357 / Low: 0.0352).

September Spread (Volatile) ±0.0042

October Spread (Stable) ±0.0005

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0018 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0018

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.0383) against the same month in 2024 (average: 0.0365), the exchange rate shifted by +0.0018 (+4.79%).

2025 Avg (January) 0.0383

2024 Avg (January) 0.0365

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0398	0.0363	0.0383
February	0.0370	0.0360	0.0365
March	0.0366	0.0345	0.0350
April	0.0349	0.0328	0.0335
May	0.0340	0.0331	0.0335
June	0.0332	0.0319	0.0327
July	0.0328	0.0318	0.0321
August	0.0326	0.0319	0.0322
September	0.0362	0.0320	0.0344
October	0.0357	0.0352	0.0354
November	0.0367	0.0355	0.0360
December	0.0367	0.0360	0.0363