YEARLY HIGH
0.4776 HRK
YEARLY LOW
0.4134 HRK
YEARLY AVERAGE
0.4339 HRK

2025 MVR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the MVR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 10, valuing the pair at 0.4776. Conversely, the yearly low was recorded on December 23, dropping to 0.4134.

This high-to-low spread represents a total annual volatility of 0.0641 HRK. From a start-to-finish perspective, comparing the January average rate of 0.4727 to the December average rate of 0.4169, the exchange rate registered a net change of -11.80% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.4776 was down 1.69% compared to the 2024 peak of 0.4858, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,388 HRK
2024 Average 2,261 HRK
Yearly Trough Low 2,067 HRK
Transaction Impact: A difference of 320.74 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.4782
0.4113
JanuMarcMayJulySeptNove

MVR 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 0.4479, compared to 0.4199 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0279 points.

H1 Avg (Jan–Jun) 0.4479
H2 Avg (Jul–Dec) 0.4199

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0283 HRK (High: 0.4531 / Low: 0.4248). On the other end, August was the most stable month, with a tight range of 0.0056 HRK (High: 0.4225 / Low: 0.4169).

April Spread (Volatile) ±0.0283
August Spread (Stable) ±0.0056

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 0.0182 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0182

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.4727) against the same month in 2024 (average: 0.4485), the exchange rate shifted by +0.0242 (+5.39%).

2025 Avg (January) 0.4727
2024 Avg (January) 0.4485

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 0.4776 0.4659 0.4727
February 0.4771 0.4650 0.4698
March 0.4716 0.4469 0.4532
April 0.4531 0.4248 0.4349
May 0.4398 0.4279 0.4326
June 0.4292 0.4151 0.4239
July 0.4283 0.4144 0.4187
August 0.4225 0.4169 0.4196
September 0.4223 0.4146 0.4184
October 0.4269 0.4194 0.4229
November 0.4272 0.4206 0.4232
December 0.4212 0.4134 0.4169