2025 PEN to SGD Historical Review

YEARLY HIGH

0.3877 SGD

YEARLY LOW

0.3494 SGD

YEARLY AVERAGE

0.3666 SGD

2025 PEN to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PEN to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 3, valuing the pair at 0.3877. Conversely, the yearly low was recorded on April 20, dropping to 0.3494.

This high-to-low spread represents a total annual volatility of 0.0383 SGD. From a start-to-finish perspective, comparing the January average rate of 0.3632 to the December average rate of 0.3834, the exchange rate registered a net change of 5.54% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.3877 was up 4.94% compared to the 2024 peak of 0.3695, 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 1,939 SGD

2024 Average 1,781 SGD

Yearly Trough Low 1,747 SGD

Transaction Impact: A difference of 191.56 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.3894

0.3500

JanuMarcMayJulySeptNove

PEN to SGD 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 0.3599, compared to 0.3732 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0133 points.

H1 Avg (Jan–Jun) 0.3599

H2 Avg (Jul–Dec) 0.3732

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0179 SGD (High: 0.3673 / Low: 0.3494). On the other end, November was the most stable month, with a tight range of 0.0032 SGD (High: 0.3877 / Low: 0.3845).

April Spread (Volatile) ±0.0179

November Spread (Stable) ±0.0032

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 0.0080 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0080

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2025: 0.3861) against the same month in 2024 (average: 0.3534), the exchange rate shifted by +0.0327 (+9.25%).

2025 Avg (November) 0.3861

2024 Avg (November) 0.3534

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3658	0.3613	0.3632
February	0.3683	0.3613	0.3634
March	0.3691	0.3617	0.3657
April	0.3673	0.3494	0.3577
May	0.3581	0.3498	0.3533
June	0.3597	0.3518	0.3561
July	0.3640	0.3579	0.3604
August	0.3689	0.3574	0.3631
September	0.3712	0.3636	0.3674
October	0.3841	0.3706	0.3791
November	0.3877	0.3845	0.3861
December	0.3863	0.3789	0.3834