YEARLY HIGH
1.0858 HRK
YEARLY LOW
0.9340 HRK
YEARLY AVERAGE
0.9847 HRK

2025 TTD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the TTD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 3, valuing the pair at 1.0858. Conversely, the yearly low was recorded on September 16, dropping to 0.9340.

This high-to-low spread represents a total annual volatility of 0.1518 HRK. From a start-to-finish perspective, comparing the January average rate of 1.0726 to the December average rate of 0.9477, the exchange rate registered a net change of -11.64% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 1.0858 was up 1.30% compared to the 2024 peak of 1.0719, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,429 HRK
2024 Average 5,132 HRK
Yearly Trough Low 4,670 HRK
Transaction Impact: A difference of 758.89 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

1.0851
0.9342
JanuMarcMayJulySeptNove

TTD 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 1.0171, compared to 0.9522 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0648 points.

H1 Avg (Jan–Jun) 1.0171
H2 Avg (Jul–Dec) 0.9522

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0633 HRK (High: 1.0279 / Low: 0.9647). On the other end, November was the most stable month, with a tight range of 0.0123 HRK (High: 0.9677 / Low: 0.9554).

April Spread (Volatile) ±0.0633
November Spread (Stable) ±0.0123

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 0.0406 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0406

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2025: 1.0661) against the same month in 2024 (average: 1.0283), the exchange rate shifted by +0.0378 (+3.67%).

2025 Avg (February) 1.0661
2024 Avg (February) 1.0283

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.0835 1.0553 1.0726
February 1.0858 1.0546 1.0661
March 1.0714 1.0141 1.0286
April 1.0279 0.9647 0.9880
May 1.0022 0.9728 0.9841
June 0.9778 0.9414 0.9630
July 0.9719 0.9429 0.9502
August 0.9744 0.9467 0.9537
September 0.9542 0.9340 0.9468
October 0.9634 0.9459 0.9538
November 0.9677 0.9554 0.9613
December 0.9580 0.9399 0.9477