YEARLY HIGH
1.8474 HRK
YEARLY LOW
1.4811 HRK
YEARLY AVERAGE
1.6147 HRK

2025 PGK to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PGK to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 15, valuing the pair at 1.8474. Conversely, the yearly low was recorded on December 29, dropping to 1.4811.

This high-to-low spread represents a total annual volatility of 0.3663 HRK. From a start-to-finish perspective, comparing the January average rate of 1.8071 to the December average rate of 1.5073, the exchange rate registered a net change of -16.59% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 1.8474 was down 1.64% compared to the 2024 peak of 1.8782, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 9,237 HRK
2024 Average 8,952 HRK
Yearly Trough Low 7,406 HRK
Transaction Impact: A difference of 1,831.69 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1.8370
1.4773
JanuMarcMayJulySeptNove

PGK to HRK 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 1.6941, compared to 1.5353 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1588 points.

H1 Avg (Jan–Jun) 1.6941
H2 Avg (Jul–Dec) 1.5353

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.1309 HRK (High: 1.7225 / Low: 1.5916). On the other end, November was the most stable month, with a tight range of 0.0382 HRK (High: 1.5539 / Low: 1.5157).

April Spread (Volatile) ±0.1309
November Spread (Stable) ±0.0382

Growth Streaks & Declines

Trends

Between September and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0823 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0823

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 1.8071) against the same month in 2024 (average: 1.8502), the exchange rate shifted by -0.0432 (-2.33%).

2025 Avg (January) 1.8071
2024 Avg (January) 1.8502

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.8474 1.7746 1.8071
February 1.8225 1.7632 1.7952
March 1.8050 1.6861 1.7164
April 1.7225 1.5916 1.6342
May 1.6589 1.5892 1.6311
June 1.6094 1.5496 1.5809
July 1.5938 1.5349 1.5567
August 1.5743 1.5214 1.5470
September 1.5489 1.5091 1.5295
October 1.5506 1.5084 1.5312
November 1.5539 1.5157 1.5401
December 1.5258 1.4811 1.5073