NUVEEN MUNICIPAL CREDIT INC (NZF) Fundamental Analysis & Valuation

NYSE:NZF • US67070X1019

12.8 USD
-0.08 (-0.62%)
At close: Mar 4, 2026
12.8744 USD
+0.07 (+0.58%)
After Hours: 3/4/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis News

This NZF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Taking everything into account, NZF scores 2 out of 10 in our fundamental rating. NZF was compared to 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

2

1. NZF Profitability Analysis

1.1 Basic Checks

  • NZF had negative earnings in the past year.
  • NZF had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: NZF reported negative net income in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M -600M

1.2 Ratios

  • The 3 year average ROIC (2.10%) for NZF is below the current ROIC(2.15%), indicating increased profibility in the last year.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 -15

1.3 Margins

  • In the last couple of years the Profit Margin of NZF has remained more or less at the same level.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 -200

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3

2. NZF Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, NZF has about the same amount of shares outstanding.
  • NZF has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, NZF has an improved debt to assets ratio.
NZF Yearly Shares OutstandingNZF Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • NZF has an Altman-Z score of 3.78. 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.
  • NZF has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
  • Although NZF does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 2.04
Altman-Z 3.78
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • NZF has a Current 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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. NZF Growth Analysis

3.1 Past

  • The earnings per share for NZF have decreased strongly by -101.92% in the last year.
  • Measured over the past years, NZF shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.26% on average per year.
  • The Revenue has been growing slightly by 2.06% in the past year.
  • Measured over the past years, NZF shows a small growth in Revenue. The Revenue has been growing by 4.69% on average per year.
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. NZF Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for NZF. In the last year negative earnings were reported.
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 13.7
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. NZF Dividend Analysis

5.1 Amount

  • NZF has a Yearly Dividend Yield of 7.37%, which is a nice return.
  • NZF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 7.37%

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.
  • The dividend of NZF decreased 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • NZF has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M -600M

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NZF Fundamentals: All Metrics, Ratios and Statistics

NUVEEN MUNICIPAL CREDIT INC

NYSE:NZF (3/4/2026, 8:04:00 PM)

After market: 12.8744 +0.07 (+0.58%)

12.8

-0.08 (-0.62%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)01-05
Earnings (Next)07-01
Inst Owners17.96%
Inst Owner Change-10.61%
Ins Owners0.01%
Ins Owner Change17.39%
Market Cap2.48B
Revenue(TTM)211.00M
Net Income(TTM)-1.00M
Analysts40
Price TargetN/A
Short Float %0.14%
Short Ratio0.4
Dividend
Industry RankSector Rank
Dividend Yield 7.37%
Yearly Dividend0.74
Dividend Growth(5Y)-1.28%
DP-17600%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-13
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 11.75
P/FCF 13.7
P/OCF 13.7
P/B 0.66
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)-0.01
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.93
FCFY7.3%
OCF(TTM)0.93
OCFY7.3%
SpS1.09
BVpS19.38
TBVpS19.38
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/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%
ROICexgc growth 3Y-5.31%
ROICexgc 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 3.78
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%

NUVEEN MUNICIPAL CREDIT INC / NZF FAQ

What is the fundamental rating for NZF stock?

ChartMill assigns a fundamental rating of 2 / 10 to NZF.


What is the valuation status for NZF stock?

ChartMill assigns a valuation rating of 0 / 10 to NUVEEN MUNICIPAL CREDIT INC (NZF). This can be considered as Overvalued.


How profitable is NUVEEN MUNICIPAL CREDIT INC (NZF) stock?

NUVEEN MUNICIPAL CREDIT INC (NZF) has a profitability rating of 2 / 10.


What is the financial health of NUVEEN MUNICIPAL CREDIT INC (NZF) stock?

The financial health rating of NUVEEN MUNICIPAL CREDIT INC (NZF) is 3 / 10.


Can you provide the dividend sustainability for NZF stock?

The dividend rating of NUVEEN MUNICIPAL CREDIT INC (NZF) is 4 / 10 and the dividend payout ratio is -17600%.