YEARLY HIGH
1.9603 HRK
YEARLY LOW
1.6921 HRK
YEARLY AVERAGE
1.7811 HRK

2025 SAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the SAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 12, valuing the pair at 1.9603. Conversely, the yearly low was recorded on September 16, dropping to 1.6921.

This high-to-low spread represents a total annual volatility of 0.2682 HRK. From a start-to-finish perspective, comparing the January average rate of 1.9406 to the December average rate of 1.7141, the exchange rate registered a net change of -11.67% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 1.9603 was up 1.18% compared to the 2024 peak of 1.9374, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 9,801 HRK
2024 Average 9,282 HRK
Yearly Trough Low 8,460 HRK
Transaction Impact: A difference of 1,340.91 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1.9634
1.6892
JanuMarcMayJulySeptNove

SAR 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 1.8403, compared to 1.7220 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1183 points.

H1 Avg (Jan–Jun) 1.8403
H2 Avg (Jul–Dec) 1.7220

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.1085 HRK (High: 1.8602 / Low: 1.7517). On the other end, August was the most stable month, with a tight range of 0.0212 HRK (High: 1.7342 / Low: 1.7130).

April Spread (Volatile) ±0.1085
August Spread (Stable) ±0.0212

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 0.0740 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0740

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 1.9406) against the same month in 2024 (average: 1.8420), the exchange rate shifted by +0.0986 (+5.35%).

2025 Avg (January) 1.9406
2024 Avg (January) 1.8420

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.9603 1.9139 1.9406
February 1.9602 1.9098 1.9296
March 1.9362 1.8363 1.8611
April 1.8602 1.7517 1.7871
May 1.8104 1.7639 1.7814
June 1.7688 1.7044 1.7417
July 1.7583 1.7019 1.7190
August 1.7342 1.7130 1.7229
September 1.7259 1.6921 1.7121
October 1.7415 1.7110 1.7258
November 1.7493 1.7277 1.7379
December 1.7296 1.7032 1.7141