YEARLY HIGH
884.9917 BIF
YEARLY LOW
776.5830 BIF
YEARLY AVERAGE
829.7461 BIF

2025 PEN to BIF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PEN to BIF exchange rate experienced significant fluctuation. The market reached its absolute peak on December 10, valuing the pair at 884.9917. Conversely, the yearly low was recorded on January 15, dropping to 776.5830.

This high-to-low spread represents a total annual volatility of 108.4087 BIF. From a start-to-finish perspective, comparing the January average rate of 786.7721 to the December average rate of 878.8279, the exchange rate registered a net change of 11.70% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 884.9917 was up 11.29% compared to the 2024 peak of 795.2236, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,424,959 BIF
2024 Average 3,843,837 BIF
Yearly Trough Low 3,882,915 BIF
Transaction Impact: A difference of 542,043.45 BIF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

888.0335
777.5665
JanuMarcMayJulySeptNove

PEN to BIF 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 803.2960, compared to 856.1962 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 52.9002 points.

H1 Avg (Jan–Jun) 803.2960
H2 Avg (Jul–Dec) 856.1962

Volatility Range Comparison

Volatility

The most volatile month in 2025 was August, with a trading range of 34.4877 BIF (High: 853.8165 / Low: 819.3289). On the other end, November was the most stable month, with a tight range of 16.4080 BIF (High: 883.8029 / Low: 867.3948).

August Spread (Volatile) ±34.4877
November Spread (Stable) ±16.4080

Growth Streaks & Declines

Trends

Between April and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 7.7372 points.

Longest Streak 8 Mo.
Sharpest MoM Drop -7.7372

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 878.8279) against the same month in 2024 (average: 789.9190), the exchange rate shifted by +88.9089 (+11.26%).

2025 Avg (December) 878.8279
2024 Avg (December) 789.9190

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 798.5767 776.5830 786.7721
February 808.6996 786.0409 797.4388
March 817.6940 794.7360 808.1010
April 809.3153 781.6233 800.3638
May 817.5147 796.4277 805.5171
June 836.2035 811.1700 821.5835
July 843.6917 817.8155 833.6182
August 853.8165 819.3289 838.5274
September 858.0411 837.7573 847.9744
October 880.0754 846.4439 863.3561
November 883.8029 867.3948 874.8733
December 884.9917 866.4295 878.8279