YEARLY HIGH
22.1410 GMD
YEARLY LOW
18.7078 GMD
YEARLY AVERAGE
20.2564 GMD

2025 PEN to GMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PEN to GMD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 23, valuing the pair at 22.1410. Conversely, the yearly low was recorded on January 7, dropping to 18.7078.

This high-to-low spread represents a total annual volatility of 3.4331 GMD. From a start-to-finish perspective, comparing the January average rate of 19.1947 to the December average rate of 21.8222, the exchange rate registered a net change of 13.69% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 22.1410 was up 14.06% compared to the 2024 peak of 19.4123, 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 110,705 GMD
2024 Average 91,702 GMD
Yearly Trough Low 93,539 GMD
Transaction Impact: A difference of 17,165.67 GMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

22.0850
18.9320
JanuMarcMayJulySeptNove

PEN to GMD 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 19.5142, compared to 20.9986 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.4844 points.

H1 Avg (Jan–Jun) 19.5142
H2 Avg (Jul–Dec) 20.9986

Volatility Range Comparison

Volatility

The most volatile month in 2025 was September, with a trading range of 1.0334 GMD (High: 21.2163 / Low: 20.1829). On the other end, February was the most stable month, with a tight range of 0.3554 GMD (High: 19.5414 / Low: 19.1860).

September Spread (Volatile) ±1.0334
February Spread (Stable) ±0.3554

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 0.1748 points.

Longest Streak 8 Mo.
Sharpest MoM Drop -0.1748

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 21.8222) against the same month in 2024 (average: 19.2441), the exchange rate shifted by +2.5781 (+13.40%).

2025 Avg (December) 21.8222
2024 Avg (December) 19.2441

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 19.6115 18.7078 19.1947
February 19.5414 19.1860 19.3816
March 19.8745 19.1946 19.6008
April 19.6212 19.1077 19.4260
May 19.9061 19.3059 19.6849
June 20.1735 19.3632 19.7973
July 20.3633 19.9813 20.1625
August 20.8775 20.0933 20.3958
September 21.2163 20.1829 20.7244
October 21.6291 20.6442 21.2102
November 21.8361 21.4785 21.6766
December 22.1410 21.4129 21.8222