Stock Valuation Calculator (Kenya)

This stock valuation calculator values the stock you hold at cost and at retail, and shows the gross margin locked inside it, useful for accounts, insurance and loan applications.

By Veira Team, Kenya SME toolsPublished June 2026Updated June 2026
Calculator
Result
Stock at cost KES 300,000, worth KES 432,000 at retail
Stock value at costKES 300,000
Stock value at retailKES 432,000
Gross margin locked in stockKES 132,000 (30.56%)

Closing stock is normally valued at cost for accounts. Knowing its retail value and the margin inside it also helps with insurance cover and with showing a lender the assets your business holds.

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Why valuing stock matters

Your closing stock is an asset, and accounts value it at cost. But knowing what it is worth at retail, and the margin locked inside it, is useful beyond the books: it tells you how much you would lose if it were damaged or stolen, which sets your insurance cover.

It also helps when you apply for credit. A lender assessing your business wants to see the assets it holds, and a clear stock valuation is part of that picture.

Worked examples

A shop count
  • 1,200 units at KES 250 cost is KES 300,000 at cost.
  • At KES 360 retail that is KES 432,000, with KES 132,000 of margin locked in.

Frequently asked questions

How do I value my stock?
For accounts, value closing stock at cost: units on hand times average cost per unit. This calculator also shows the retail value and the gross margin locked inside, which helps with insurance and lending.
Should stock be valued at cost or retail?
Accounts value stock at cost (the lower of cost and net realisable value). Retail value is useful separately, for insurance cover and for showing a lender the assets you hold.
Why does stock valuation matter for a loan?
A lender assessing your business looks at the assets it holds. A clear, current stock valuation is part of demonstrating that your business has real, sellable assets.
How does stock valuation affect insurance?
Your cover should reflect what you would actually lose if stock were damaged or stolen. Knowing the value of stock on hand helps you set cover that is neither wasteful nor short.
How does Veira help?
Veira holds the cost and price of each item and your live stock counts, so a current stock valuation is available without a manual exercise.

Business reviews

4.8
Based on 4 reviews
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Jane M.
Verified business

Finally a tool that gets Kenyan tax rules right. Zero KRA rejections since using this.

5/10/2024
Noor A.
Verified business

Accurate and saves me hours every month. The breakdown is clear and my staff finally understand their deductions.

5/20/2024
Ahmed H.
Verified business

Exactly what I needed. Calculated costs before ordering and saved a fortune on import duties.

5/15/2024
David K.
Verified business

Very helpful. Only thing missing is export to CSV but overall excellent.

5/5/2024

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