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NUVEEN MUNICIPAL CREDIT INC (NZF) Stock Overview

USA - NYSE:NZF - US67070X1019

12.585 USD
+0.09 (+0.68%)
Last: 10/15/2025, 9:56:09 AM
Fundamental Rating

2

NZF gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 0 industry peers in the Unkown industry. NZF may be in some trouble as it scores bad on both profitability and health. NZF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year NZF has reported negative net income.
In the past year NZF had a positive cash flow from operations.
In multiple years NZF reported negative net income over the last 5 years.
NZF had a positive operating cash flow in 4 of the past 5 years.
NZF Yearly Net Income VS EBIT VS OCF VS FCFNZF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M -600M

1.2 Ratios

The last Return On Invested Capital (2.15%) for NZF is above the 3 year average (2.10%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -0.02%
ROE -0.03%
ROIC 2.15%
ROA(3y)-2.2%
ROA(5y)0.09%
ROE(3y)-2.27%
ROE(5y)0.07%
ROIC(3y)2.1%
ROIC(5y)2.22%
NZF Yearly ROA, ROE, ROICNZF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 -15

1.3 Margins

NZF's Profit Margin has been stable in the last couple of years.
In the last couple of years the Operating Margin of NZF has declined.
NZF's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 53.08%
PM (TTM) N/A
GM 53.08%
OM growth 3Y-11.56%
OM growth 5Y-4.43%
PM growth 3Y7.88%
PM growth 5Y1.38%
GM growth 3Y-11.59%
GM growth 5Y-4.52%
NZF Yearly Profit, Operating, Gross MarginsNZF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 -200

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3

2. Health

2.1 Basic Checks

The number of shares outstanding for NZF remains at a similar level compared to 1 year ago.
Compared to 5 years ago, NZF has more shares outstanding
NZF has a better debt/assets ratio than last year.
NZF Yearly Shares OutstandingNZF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
NZF Yearly Total Debt VS Total AssetsNZF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

NZF has an Altman-Z score of 3.72. This indicates that NZF is financially healthy and has little risk of bankruptcy at the moment.
NZF has a debt to FCF ratio of 2.04. This is a good value and a sign of high solvency as NZF would need 2.04 years to pay back of all of its debts.
A Debt/Equity ratio of 0.10 indicates that NZF is not too dependend on debt financing.
Even though the debt/equity ratio score it not favorable for NZF, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.04
Altman-Z 3.72
ROIC/WACCN/A
WACCN/A
NZF Yearly LT Debt VS Equity VS FCFNZF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

A Current Ratio of 0.30 indicates that NZF may have some problems paying its short term obligations.
NZF has a Quick Ratio of 0.30. This is a bad value and indicates that NZF is not financially healthy enough and could expect problems in meeting its short term obligations.
Industry RankSector Rank
Current Ratio 0.3
Quick Ratio 0.3
NZF Yearly Current Assets VS Current LiabilitesNZF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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1

3. Growth

3.1 Past

NZF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -101.92%.
NZF shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.26% yearly.
NZF shows a small growth in Revenue. In the last year, the Revenue has grown by 2.06%.
NZF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.69% yearly.
EPS 1Y (TTM)-101.92%
EPS 3Y8.78%
EPS 5Y-0.26%
EPS Q2Q%-123.16%
Revenue 1Y (TTM)2.06%
Revenue growth 3Y11.67%
Revenue growth 5Y4.69%
Sales Q2Q%0.96%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NZF Yearly Revenue VS EstimatesNZF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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0

4. Valuation

4.1 Price/Earnings Ratio

NZF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
NZF Price Earnings VS Forward Price EarningsNZF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF 13.47
EV/EBITDA N/A
NZF Per share dataNZF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.97%, NZF is a good candidate for dividend investing.
NZF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 6.97%

5.2 History

The dividend of NZF decreases each year by -1.28%.
NZF has been paying a dividend for at least 10 years, so it has a reliable track record.
NZF has decreased its dividend recently.
Dividend Growth(5Y)-1.28%
Div Incr Years1
Div Non Decr Years1
NZF Yearly Dividends per shareNZF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

The earnings of NZF are negative and hence is the payout ratio. NZF will probably not be able to sustain this dividend level.
NZF's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-17600%
EPS Next 2YN/A
EPS Next 3YN/A
NZF Yearly Income VS Free CF VS DividendNZF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M -600M

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NUVEEN MUNICIPAL CREDIT INC

NYSE:NZF (10/15/2025, 9:56:09 AM)

12.585

+0.09 (+0.68%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)06-30 2025-06-30
Earnings (Next)01-05 2026-01-05
Inst Owners19.54%
Inst Owner Change-0.7%
Ins Owners0.01%
Ins Owner Change0%
Market Cap2.44B
Analysts40
Price TargetN/A
Short Float %0.2%
Short Ratio0.71
Dividend
Industry RankSector Rank
Dividend Yield 6.97%
Yearly Dividend0.74
Dividend Growth(5Y)-1.28%
DP-17600%
Div Incr Years1
Div Non Decr Years1
Ex-Date09-15 2025-09-15 (0.0795)
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 11.55
P/FCF 13.47
P/OCF 13.47
P/B 0.65
P/tB 0.65
EV/EBITDA N/A
EPS(TTM)-0.01
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.93
FCFY7.42%
OCF(TTM)0.93
OCFY7.42%
SpS1.09
BVpS19.38
TBVpS19.38
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.02%
ROE -0.03%
ROCE 2.72%
ROIC 2.15%
ROICexc 2.15%
ROICexgc 2.15%
OM 53.08%
PM (TTM) N/A
GM 53.08%
FCFM 85.78%
ROA(3y)-2.2%
ROA(5y)0.09%
ROE(3y)-2.27%
ROE(5y)0.07%
ROIC(3y)2.1%
ROIC(5y)2.22%
ROICexc(3y)2.11%
ROICexc(5y)2.22%
ROICexgc(3y)2.11%
ROICexgc(5y)2.22%
ROCE(3y)2.68%
ROCE(5y)2.81%
ROICexcg growth 3Y-5.31%
ROICexcg growth 5Y-2.66%
ROICexc growth 3Y-5.3%
ROICexc growth 5Y-2.65%
OM growth 3Y-11.56%
OM growth 5Y-4.43%
PM growth 3Y7.88%
PM growth 5Y1.38%
GM growth 3Y-11.59%
GM growth 5Y-4.52%
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.04
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.58
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.3
Quick Ratio 0.3
Altman-Z 3.72
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-101.92%
EPS 3Y8.78%
EPS 5Y-0.26%
EPS Q2Q%-123.16%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.06%
Revenue growth 3Y11.67%
Revenue growth 5Y4.69%
Sales Q2Q%0.96%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y6.15%
EBIT growth 3Y-1.24%
EBIT growth 5Y0.06%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y269.32%
FCF growth 3Y21.89%
FCF growth 5Y7.06%
OCF growth 1Y269.32%
OCF growth 3Y21.89%
OCF growth 5Y7.06%