YEARLY HIGH
4.2780 GHS
YEARLY LOW
2.8133 GHS
YEARLY AVERAGE
3.5411 GHS

2025 PEN to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PEN to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on March 20, valuing the pair at 4.2780. Conversely, the yearly low was recorded on June 8, dropping to 2.8133.

This high-to-low spread represents a total annual volatility of 1.4647 GHS. From a start-to-finish perspective, comparing the January average rate of 3.9853 to the December average rate of 3.3675, the exchange rate registered a net change of -15.50% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 4.2780 was down 2.07% compared to the 2024 peak of 4.3686, 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 21,390 GHS
2024 Average 19,293 GHS
Yearly Trough Low 14,067 GHS
Transaction Impact: A difference of 7,323.46 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

4.3785
2.7170
JanuMarcMayJulySeptNove

PEN to GHS 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 3.8524, compared to 3.2299 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.6224 points.

H1 Avg (Jan–Jun) 3.8524
H2 Avg (Jul–Dec) 3.2299

Volatility Range Comparison

Volatility

The most volatile month in 2025 was May, with a trading range of 1.3141 GHS (High: 4.2049 / Low: 2.8907). On the other end, July was the most stable month, with a tight range of 0.0518 GHS (High: 2.9578 / Low: 2.9060).

May Spread (Volatile) ±1.3141
July Spread (Stable) ±0.0518

Growth Streaks & Declines

Trends

Between June and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.8381 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.8381

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2025: 4.2400) against the same month in 2024 (average: 3.4828), the exchange rate shifted by +0.7573 (+21.74%).

2025 Avg (March) 4.2400
2024 Avg (March) 3.4828

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.1196 3.8972 3.9853
February 4.2327 4.1030 4.1745
March 4.2780 4.1638 4.2400
April 4.2216 3.9378 4.1652
May 4.2049 2.8907 3.6936
June 2.9205 2.8133 2.8555
July 2.9578 2.9060 2.9297
August 3.1689 2.9061 3.0443
September 3.5700 2.9682 3.3746
October 3.6390 3.1672 3.3938
November 3.3681 3.2190 3.2697
December 3.4220 3.1218 3.3675