2025 PEN to MAD Historical Review

YEARLY HIGH

2.7670 MAD

YEARLY LOW

2.4780 MAD

YEARLY AVERAGE

2.6209 MAD

2025 PEN to MAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PEN to MAD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 3, valuing the pair at 2.7670. Conversely, the yearly low was recorded on April 20, dropping to 2.4780.

This high-to-low spread represents a total annual volatility of 0.2890 MAD. From a start-to-finish perspective, comparing the January average rate of 2.6784 to the December average rate of 2.7261, the exchange rate registered a net change of 1.78% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 2.7670 was up 0.62% compared to the 2024 peak of 2.7500, 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 13,835 MAD

2024 Average 13,243 MAD

Yearly Trough Low 12,390 MAD

Transaction Impact: A difference of 1,444.90 MAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

2.7714

2.5035

JanuMarcMayJulySeptNove

PEN to MAD 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 2.6034, compared to 2.6385 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0350 points.

H1 Avg (Jan–Jun) 2.6034

H2 Avg (Jul–Dec) 2.6385

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.1452 MAD (High: 2.6232 / Low: 2.4780). On the other end, November was the most stable month, with a tight range of 0.0294 MAD (High: 2.7670 / Low: 2.7376).

April Spread (Volatile) ±0.1452

November Spread (Stable) ±0.0294

Growth Streaks & Declines

Trends

Between May and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.1255 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.1255

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2025: 2.7490) against the same month in 2024 (average: 2.6330), the exchange rate shifted by +0.1161 (+4.41%).

2025 Avg (November) 2.7490

2024 Avg (November) 2.6330

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.6983	2.6576	2.6784
February	2.7172	2.6799	2.6984
March	2.7033	2.6237	2.6549
April	2.6232	2.4780	2.5294
May	2.5606	2.5016	2.5258
June	2.5498	2.5083	2.5336
July	2.5572	2.5212	2.5365
August	2.5776	2.5181	2.5514
September	2.6164	2.5454	2.5830
October	2.7368	2.6147	2.6848
November	2.7670	2.7376	2.7490
December	2.7519	2.6943	2.7261