YEARLY HIGH
21.9829 PHP
YEARLY LOW
20.4807 PHP
YEARLY AVERAGE
21.2754 PHP

2025 XCD to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the XCD to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on December 9, valuing the pair at 21.9829. Conversely, the yearly low was recorded on May 24, dropping to 20.4807.

This high-to-low spread represents a total annual volatility of 1.5023 PHP. From a start-to-finish perspective, comparing the January average rate of 21.6337 to the December average rate of 21.7708, the exchange rate registered a net change of 0.63% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 21.9829 was down 0.04% compared to the 2024 peak of 21.9922, 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 109,915 PHP
2024 Average 106,002 PHP
Yearly Trough Low 102,403 PHP
Transaction Impact: A difference of 7,511.44 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

21.8934
20.4717
JanuMarcMayJulySeptNove

XCD 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 21.1369, compared to 21.4139 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.2770 points.

H1 Avg (Jan–Jun) 21.1369
H2 Avg (Jul–Dec) 21.4139

Volatility Range Comparison

Volatility

The most volatile month in 2025 was July, with a trading range of 0.7456 PHP (High: 21.5611 / Low: 20.8155). On the other end, November was the most stable month, with a tight range of 0.1983 PHP (High: 21.8804 / Low: 21.6821).

July Spread (Volatile) ±0.7456
November Spread (Stable) ±0.1983

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 0.4432 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.4432

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2025: 21.7708) against the same month in 2024 (average: 21.6189), the exchange rate shifted by +0.1518 (+0.70%).

2025 Avg (December) 21.7708
2024 Avg (December) 21.6189

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 21.8346 21.4631 21.6337
February 21.6444 21.3586 21.4683
March 21.4433 21.1571 21.2435
April 21.3006 20.6578 21.0334
May 20.7054 20.4807 20.5902
June 21.2083 20.5843 20.8521
July 21.5611 20.8155 21.0419
August 21.3746 20.8862 21.1155
September 21.5561 20.9776 21.1938
October 21.8625 21.4242 21.5866
November 21.8804 21.6821 21.7749
December 21.9829 21.6347 21.7708