2025 MAD to HRK Historical Review

YEARLY HIGH

0.7318 HRK

YEARLY LOW

0.6974 HRK

YEARLY AVERAGE

0.7144 HRK

2025 MAD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the MAD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 10, valuing the pair at 0.7318. Conversely, the yearly low was recorded on December 12, dropping to 0.6974.

This high-to-low spread represents a total annual volatility of 0.0344 HRK. From a start-to-finish perspective, comparing the January average rate of 0.7252 to the December average rate of 0.7007, the exchange rate registered a net change of -3.37% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.7318 was up 0.40% compared to the 2024 peak of 0.7289, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,659 HRK

2024 Average 3,505 HRK

Yearly Trough Low 3,487 HRK

Transaction Impact: A difference of 172.16 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.7276

0.6983

JanuMarcMayJulySeptNove

MAD 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 0.7204, compared to 0.7085 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0119 points.

H1 Avg (Jan–Jun) 0.7204

H2 Avg (Jul–Dec) 0.7085

Volatility Range Comparison

Volatility

The most volatile month in 2025 was March, with a trading range of 0.0177 HRK (High: 0.7298 / Low: 0.7120). On the other end, December was the most stable month, with a tight range of 0.0066 HRK (High: 0.7040 / Low: 0.6974).

March Spread (Volatile) ±0.0177

December Spread (Stable) ±0.0066

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2025. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0058 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0058

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.7252) against the same month in 2024 (average: 0.6941), the exchange rate shifted by +0.0310 (+4.47%).

2025 Avg (January) 0.7252

2024 Avg (January) 0.6941

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7318	0.7198	0.7252
February	0.7294	0.7201	0.7238
March	0.7298	0.7120	0.7194
April	0.7244	0.7076	0.7165
May	0.7273	0.7153	0.7216
June	0.7224	0.7090	0.7158
July	0.7246	0.7111	0.7152
August	0.7212	0.7105	0.7160
September	0.7160	0.7059	0.7106
October	0.7110	0.6997	0.7053
November	0.7073	0.6994	0.7031
December	0.7040	0.6974	0.7007