NUVEEN MUNICIPAL CREDIT INC (NZF) Fundamental Analysis & Valuation

NYSE:NZF • US67070X1019

Current stock price

12.62 USD
-0.07 (-0.55%)
Last:

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

2

1. NZF Profitability Analysis

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.
  • 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 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 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 3.75. 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 3.75
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.
  • A Quick Ratio of 0.30 indicates that NZF may have some problems paying 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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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.
  • Looking at the last year, NZF shows a small growth in Revenue. The Revenue has grown by 2.06% in the last year.
  • The Revenue has been growing slightly by 4.69% on average over the past years.
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 13.51
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. NZF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.96%, 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 1.82.
Industry RankSector Rank
Dividend Yield 6.96%

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 in the last 3 years.
Dividend Growth(5Y)-1.28%
Div Incr Years2
Div Non Decr Years2
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.
  • The Dividend Rate of NZF has been decling, while earnings will also be 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 (4/14/2026, 8:04:00 PM)

12.62

-0.07 (-0.55%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)01-05
Earnings (Next)07-01
Inst Owners17.3%
Inst Owner Change0.07%
Ins Owners0.01%
Ins Owner Change17.39%
Market Cap2.44B
Revenue(TTM)211.00M
Net Income(TTM)-1.00M
Analysts40
Price TargetN/A
Short Float %0.15%
Short Ratio0.49
Dividend
Industry RankSector Rank
Dividend Yield 6.96%
Yearly Dividend0.74
Dividend Growth(5Y)-1.28%
DP-17600%
Div Incr Years2
Div Non Decr Years2
Ex-Date04-15
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 11.59
P/FCF 13.51
P/OCF 13.51
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
FCFY7.4%
OCF(TTM)0.93
OCFY7.4%
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 3.75
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 Fundamental Analysis 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.


What is the profitability of 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.