2025 ZAR to HRK Historical Review

YEARLY HIGH

0.3966 HRK

YEARLY LOW

0.3437 HRK

YEARLY AVERAGE

0.3735 HRK

2025 ZAR to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the ZAR to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on February 10, valuing the pair at 0.3966. Conversely, the yearly low was recorded on April 10, dropping to 0.3437.

This high-to-low spread represents a total annual volatility of 0.0529 HRK. From a start-to-finish perspective, comparing the January average rate of 0.3888 to the December average rate of 0.3823, the exchange rate registered a net change of -1.66% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.3966 was down 2.30% compared to the 2024 peak of 0.4059, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 19,831 HRK

2024 Average 19,013 HRK

Yearly Trough Low 17,185 HRK

Transaction Impact: A difference of 2,646.21 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.3951

0.3505

JanuMarcMayJulySeptNove

ZAR 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 0.3752, compared to 0.3719 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0033 points.

H1 Avg (Jan–Jun) 0.3752

H2 Avg (Jul–Dec) 0.3719

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 0.0341 HRK (High: 0.3778 / Low: 0.3437). On the other end, November was the most stable month, with a tight range of 0.0057 HRK (High: 0.3803 / Low: 0.3746).

April Spread (Volatile) ±0.0341

November Spread (Stable) ±0.0057

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0274 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0274

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2025: 0.3914) against the same month in 2024 (average: 0.3670), the exchange rate shifted by +0.0243 (+6.63%).

2025 Avg (February) 0.3914

2024 Avg (February) 0.3670

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3914	0.3846	0.3888
February	0.3966	0.3866	0.3914
March	0.3883	0.3772	0.3816
April	0.3778	0.3437	0.3542
May	0.3740	0.3595	0.3690
June	0.3721	0.3596	0.3659
July	0.3665	0.3593	0.3630
August	0.3690	0.3588	0.3652
September	0.3720	0.3640	0.3684
October	0.3788	0.3704	0.3742
November	0.3803	0.3746	0.3781
December	0.3871	0.3786	0.3823