2025 BIF to PHP Historical Review

YEARLY HIGH

0.0201 PHP

YEARLY LOW

0.0186 PHP

YEARLY AVERAGE

0.0194 PHP

2025 BIF to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the BIF to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 21, valuing the pair at 0.0201. Conversely, the yearly low was recorded on May 24, dropping to 0.0186.

This high-to-low spread represents a total annual volatility of 0.0015 PHP. From a start-to-finish perspective, comparing the January average rate of 0.0198 to the December average rate of 0.0199, the exchange rate registered a net change of 0.32% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0201 was down 1.94% compared to the 2024 peak of 0.0205, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 101 PHP

2024 Average 99 PHP

Yearly Trough Low 93 PHP

Transaction Impact: A difference of 7.57 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0201

0.0187

JanuMarcMayJulySeptNove

BIF to PHP 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 0.0193, compared to 0.0196 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0002 points.

H1 Avg (Jan–Jun) 0.0193

H2 Avg (Jul–Dec) 0.0196

Volatility Range Comparison

Volatility

The most volatile month in 2025 was September, with a trading range of 0.0008 PHP (High: 0.0198 / Low: 0.0191). On the other end, November was the most stable month, with a tight range of 0.0003 PHP (High: 0.0201 / Low: 0.0198).

September Spread (Volatile) ±0.0008

November Spread (Stable) ±0.0003

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 April and May, when the average rate fell by 0.0004 points.

Longest Streak 6 Mo.

Sharpest MoM Drop -0.0004

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 0.0198) against the same month in 2024 (average: 0.0196), the exchange rate shifted by +0.0002 (+1.07%).

2025 Avg (January) 0.0198

2024 Avg (January) 0.0196

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0201	0.0196	0.0198
February	0.0199	0.0194	0.0196
March	0.0197	0.0193	0.0194
April	0.0196	0.0188	0.0192
May	0.0190	0.0186	0.0188
June	0.0194	0.0187	0.0190
July	0.0197	0.0189	0.0192
August	0.0197	0.0190	0.0192
September	0.0198	0.0191	0.0193
October	0.0200	0.0197	0.0198
November	0.0201	0.0198	0.0200
December	0.0201	0.0197	0.0199

2025 BIF నుండి PHP చారిత్రక సమీక్ష