YEARLY HIGH
4.2581 SCR
YEARLY LOW
3.3971 SCR
YEARLY AVERAGE
3.8124 SCR

2025 PLN to SCR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the PLN to SCR exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 4.2581. Conversely, the yearly low was recorded on January 2, dropping to 3.3971.

This high-to-low spread represents a total annual volatility of 0.8610 SCR. From a start-to-finish perspective, comparing the January average rate of 3.5032 to the December average rate of 3.9975, the exchange rate registered a net change of 14.11% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 4.2581 was up 11.34% compared to the 2024 peak of 3.8245, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 20,000 PLN based on timing:

Yearly Peak High 85,162 SCR
2024 Average 68,699 SCR
Yearly Trough Low 67,942 SCR
Transaction Impact: A difference of 17,219.68 SCR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

4.0617
3.4525
JanuMarcMayJulySeptNove

PLN to SCR 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 3.7049, compared to 3.9200 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2151 points.

H1 Avg (Jan–Jun) 3.7049
H2 Avg (Jul–Dec) 3.9200

Volatility Range Comparison

Volatility

The most volatile month in 2025 was December, with a trading range of 0.5403 SCR (High: 4.2581 / Low: 3.7178). On the other end, May was the most stable month, with a tight range of 0.0975 SCR (High: 3.8151 / Low: 3.7177).

December Spread (Volatile) ±0.5403
May Spread (Stable) ±0.0975

Growth Streaks & Declines

Trends

Between January and September, 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 September and October, when the average rate fell by 0.1268 points.

Longest Streak 8 Mo.
Sharpest MoM Drop -0.1268

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 3.9975) against the same month in 2024 (average: 3.4630), the exchange rate shifted by +0.5345 (+15.43%).

2025 Avg (December) 3.9975
2024 Avg (December) 3.4630

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.7034 3.3971 3.5032
February 3.7100 3.4979 3.5971
March 3.8147 3.5595 3.7047
April 3.8626 3.6464 3.7663
May 3.8151 3.7177 3.7674
June 4.0271 3.7819 3.8905
July 4.0441 3.7779 3.9128
August 4.1380 3.8261 3.9375
September 4.2116 3.8702 4.0110
October 4.1606 3.7044 3.8841
November 4.1558 3.6694 3.7770
December 4.2581 3.7178 3.9975