2025 XCD to HRK Historical Review

YEARLY HIGH

2.7215 HRK

YEARLY LOW

2.3485 HRK

YEARLY AVERAGE

2.4723 HRK

2025 XCD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the XCD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on January 12, valuing the pair at 2.7215. Conversely, the yearly low was recorded on September 16, dropping to 2.3485.

This high-to-low spread represents a total annual volatility of 0.3730 HRK. From a start-to-finish perspective, comparing the January average rate of 2.6945 to the December average rate of 2.3796, the exchange rate registered a net change of -11.69% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 2.7215 was up 1.04% compared to the 2024 peak of 2.6934, 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 13,608 HRK

2024 Average 12,887 HRK

Yearly Trough Low 11,742 HRK

Transaction Impact: A difference of 1,865.21 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

2.7264

2.3443

JanuMarcMayJulySeptNove

XCD 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 2.5547, compared to 2.3899 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.1647 points.

H1 Avg (Jan–Jun) 2.5547

H2 Avg (Jul–Dec) 2.3899

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.1582 HRK (High: 2.5821 / Low: 2.4239). On the other end, August was the most stable month, with a tight range of 0.0294 HRK (High: 2.4078 / Low: 2.3784).

April Spread (Volatile) ±0.1582

August Spread (Stable) ±0.0294

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 0.1011 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.1011

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2025: 2.6945) against the same month in 2024 (average: 2.5560), the exchange rate shifted by +0.1385 (+5.42%).

2025 Avg (January) 2.6945

2024 Avg (January) 2.5560

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.7215	2.6564	2.6945
February	2.7204	2.6500	2.6776
March	2.6871	2.5484	2.5828
April	2.5821	2.4239	2.4818
May	2.5149	2.4480	2.4735
June	2.4554	2.3655	2.4177
July	2.4406	2.3616	2.3858
August	2.4078	2.3784	2.3919
September	2.3965	2.3485	2.3761
October	2.4167	2.3741	2.3948
November	2.4274	2.3973	2.4112
December	2.4018	2.3636	2.3796