YEARLY HIGH
6.4631 PHP
YEARLY LOW
5.7306 PHP
YEARLY AVERAGE
6.1569 PHP

2025 MAD to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the MAD to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 6.4631. Conversely, the yearly low was recorded on February 2, dropping to 5.7306.

This high-to-low spread represents a total annual volatility of 0.7325 PHP. From a start-to-finish perspective, comparing the January average rate of 5.8224 to the December average rate of 6.4108, the exchange rate registered a net change of 10.11% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 6.4631 was up 8.28% compared to the 2024 peak of 5.9689, 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 32,316 PHP
2024 Average 28,831 PHP
Yearly Trough Low 28,653 PHP
Transaction Impact: A difference of 3,662.47 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

6.4716
5.7423
JanuMarcMayJulySeptNove

MAD to PHP 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 5.9663, compared to 6.3474 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.3811 points.

H1 Avg (Jan–Jun) 5.9663
H2 Avg (Jul–Dec) 6.3474

Volatility Range Comparison

Volatility

The most volatile month in 2025 was June, with a trading range of 0.2416 PHP (High: 6.2689 / Low: 6.0273). On the other end, May was the most stable month, with a tight range of 0.0635 PHP (High: 6.0367 / Low: 5.9732).

June Spread (Volatile) ±0.2416
May Spread (Stable) ±0.0635

Growth Streaks & Declines

Trends

Between May and October, 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 April and May, when the average rate fell by 0.0664 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -0.0664

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 6.4108) against the same month in 2024 (average: 5.8332), the exchange rate shifted by +0.5776 (+9.90%).

2025 Avg (December) 6.4108
2024 Avg (December) 5.8332

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 5.8717 5.7323 5.8224
February 5.8397 5.7306 5.8031
March 6.0114 5.7997 5.9178
April 6.1595 5.9374 6.0734
May 6.0367 5.9732 6.0069
June 6.2689 6.0273 6.1741
July 6.3867 6.2673 6.3079
August 6.4066 6.2454 6.3206
September 6.4303 6.2376 6.3378
October 6.4051 6.3081 6.3579
November 6.3874 6.2939 6.3495
December 6.4631 6.3207 6.4108