YEARLY HIGH
9.7958 HNL
YEARLY LOW
9.3651 HNL
YEARLY AVERAGE
9.6266 HNL

2025 XCD to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the XCD to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 9.7958. Conversely, the yearly low was recorded on March 30, dropping to 9.3651.

This high-to-low spread represents a total annual volatility of 0.4307 HNL. From a start-to-finish perspective, comparing the January average rate of 9.4245 to the December average rate of 9.7369, the exchange rate registered a net change of 3.32% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 9.7958 was up 4.07% compared to the 2024 peak of 9.4126, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 48,979 HNL
2024 Average 45,995 HNL
Yearly Trough Low 46,826 HNL
Transaction Impact: A difference of 2,153.51 HNL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

9.7682
9.3932
JanuMarcMayJulySeptNove

XCD to HNL 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 9.5373, compared to 9.7158 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1785 points.

H1 Avg (Jan–Jun) 9.5373
H2 Avg (Jul–Dec) 9.7158

Volatility Range Comparison

Volatility

The most volatile month in 2025 was August, with a trading range of 0.1986 HNL (High: 9.7723 / Low: 9.5736). On the other end, November was the most stable month, with a tight range of 0.0486 HNL (High: 9.7538 / Low: 9.7052).

August Spread (Volatile) ±0.1986
November Spread (Stable) ±0.0486

Growth Streaks & Declines

Trends

Between January and July, 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 August and September, when the average rate fell by 0.0230 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.0230

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 9.7369) against the same month in 2024 (average: 9.3802), the exchange rate shifted by +0.3568 (+3.80%).

2025 Avg (December) 9.7369
2024 Avg (December) 9.3802

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 9.4725 9.3885 9.4245
February 9.5549 9.4059 9.4793
March 9.5317 9.3651 9.4878
April 9.6012 9.4664 9.5465
May 9.6448 9.5741 9.6290
June 9.6945 9.6237 9.6568
July 9.7501 9.6445 9.7177
August 9.7723 9.5736 9.7146
September 9.7523 9.6690 9.6915
October 9.7644 9.6732 9.7062
November 9.7538 9.7052 9.7278
December 9.7958 9.6945 9.7369