NZF
BEARISH
$12.59
Live
Nuveen Municipal Credit Income Fund · NYSE
$11.53
52W Range
$13.02
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated May 01, 2026
Market cap
$2.44B
P/E
41.97
ROE
2.3%
Profit margin
28.0%
Debt/Equity
0.68
Dividend yield
7.58%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
NZF exhibits a stable Piotroski F-Score of 6/9, but this fundamental health is overshadowed by severe valuation and dividend sustainability issues. The stock is trading at a significant premium to both its Graham Number ($9.32) and Intrinsic Value ($8.85), while the dividend payout ratio of 318% indicates that distributions are not supported by earnings. Combined with a bearish technical trend (0/100) and negative revenue growth, the fund appears overvalued and structurally unstable regarding its yield.
Key Strengths
Stable Piotroski F-Score (6/9) indicating decent operational health
Price/Book ratio of 0.98 suggests it is trading near its net asset value
Strong historical 3-year price appreciation (+33.8%)
High operating margin (86.90%)
Moderate Debt/Equity ratio (0.68) compared to sector average
Key Risks
Unsustainable dividend payout ratio of 318%
Significant premium to Graham Number and Intrinsic Value
Negative year-over-year revenue growth (-1.20%)
Bearish technical trend (0/100)
Very low ROE (2.30%) indicating poor capital efficiency
AI Fair Value Estimate
Based on comprehensive analysis
$9.08
-27.9% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
46
Moderate
30
45
70
65
20
AI Verdict
Overvalued Yield Trap
Key drivers: Extreme payout ratio, Price-to-Intrinsic gap, Bearish technicals
Confidence
90%
Value
30/100
Ref P/E, PEG, Graham Number
Positives
- P/B near 1.0
Watchpoints
- P/E of 41.97 is high
- Price $12.59 is ~35% above Graham Number $9.32
Future
45/100
Ref Growth rates
Positives
- High YoY earnings growth (73.4%)
Watchpoints
- Negative revenue growth
- Low ROE
Past
70/100
Ref Historical trends
Positives
- Strong 1Y and 3Y price performance
Watchpoints
- Recent technical trend is bearish
Health
65/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 6/9 (Stable)
Watchpoints
- Very low current ratio (0.31)
Dividend
20/100
Ref Yield, Payout
Positives
- High absolute yield (7.58%)
Watchpoints
- Payout ratio of 318% is a critical red flag
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$12.59
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for NZF and closest competitors.
Updated 2026-04-30
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
NZF
Nuveen Municipal Credit Income Fund
Primary
|
+2.4% | +33.8% | +14.2% | +5.0% | +4.0% | -0.2% |
|
TBBK
The Bancorp, Inc.
Peer
|
+162.3% | +122.0% | +16.5% | -26.4% | +10.3% | -6.1% |
|
GOF
Guggenheim Strategic Opportunities Fund
Peer
|
+13.8% | +7.6% | -6.9% | -8.1% | +8.8% | -1.7% |
|
BBUC
Brookfield Business Corporation
Peer
|
+0.1% | +62.8% | +52.8% | +10.6% | -3.1% | -2.6% |
|
BBT
Beacon Financial Corporation
Peer
|
+69.6% | +8.7% | +3.5% | +12.2% | +4.5% | +2.8% |
NZF
Nuveen Municipal Credit Income Fund
Primary
5Y
+2.4%
3Y
+33.8%
1Y
+14.2%
6M
+5.0%
1M
+4.0%
1W
-0.2%
TBB
The Bancorp, Inc.
Peer
5Y
+162.3%
3Y
+122.0%
1Y
+16.5%
6M
-26.4%
1M
+10.3%
1W
-6.1%
GOF
Guggenheim Strategic Opportunities Fund
Peer
5Y
+13.8%
3Y
+7.6%
1Y
-6.9%
6M
-8.1%
1M
+8.8%
1W
-1.7%
BBU
Brookfield Business Corporation
Peer
5Y
+0.1%
3Y
+62.8%
1Y
+52.8%
6M
+10.6%
1M
-3.1%
1W
-2.6%
BBT
Beacon Financial Corporation
Peer
5Y
+69.6%
3Y
+8.7%
1Y
+3.5%
6M
+12.2%
1M
+4.5%
1W
+2.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
41.97
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
0.98
P/S Ratio
11.65
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$2.44B
Profitability
Profit margins and return metrics
Profit Margin
28.04%
Operating Margin
86.9%
Gross Margin
100.0%
ROE
2.3%
ROA
2.64%
Growth
Revenue and earnings growth rates
Revenue Growth
-1.2%
Earnings Growth
+73.4%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+73.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.68
Moderate
Current Ratio
0.31
Weak
Quick Ratio
0.17
Poor
Cash/Share
$N/A
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Total Assets
$4.2B
Liabilities
$1.7B
Equity
$2.5B
Debt/Equity
0.69x
Financial Services Sector Comparison
Comparing NZF against 975 companies in the Financial Services sector
(156 bullish, 425 neutral, 394 bearish)
P/E Ratio
41.97
This Stock
vs
34.86
Sector Avg
+20.4%
(Expensive)
Return on Equity (ROE)
2.3%
This Stock
vs
0.29%
Sector Avg
+685.9%
(Excellent)
Profit Margin
28.04%
This Stock
vs
88.25%
Sector Avg
-68.2%
(Weaker)
Debt to Equity
0.68
This Stock
vs
1.32
Sector Avg
-48.6%
(Less Debt)
Revenue Growth
-1.2%
This Stock
vs
33.02%
Sector Avg
-103.6%
(Slower)
Current Ratio
0.31
This Stock
vs
3.69
Sector Avg
-91.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
NZF
Nuveen Municipal Credit Income Fund
|
BEARISH | $2.44B | 41.97 | 2.3% | 28.0% | $12.59 | |
|
TBBK
The Bancorp, Inc.
|
NEUTRAL | $2.44B | 12.3 | 30.8% | 43.4% | $57.91 | Compare |
|
GOF
Guggenheim Strategic...
|
BEARISH | $2.41B | 6.57 | -% | -% | $11.36 | Compare |
|
BBUC
Brookfield Business Corporation
|
BEARISH | $2.48B | - | -63.5% | -13.9% | $35.42 | Compare |
|
BBT
Beacon Financial Corporation
|
BEARISH | $2.38B | 134.57 | 0.5% | 2.6% | $28.26 | Compare |
NZF
Nuveen Municipal...
BEARISH
Mkt Cap
$2.4B
P/E
42.0
ROE
2.3%
Price
$12.59
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-25 | BANK OF AMERICA CORP | Beneficial Owner of more than 10% of a Class of Security | Purchase | 8 | $103 |
| 2026-02-25 | BANK OF AMERICA CORP | Beneficial Owner of more than 10% of a Class of Security | Sale | 8 | $104 |
| 2026-01-26 | BANK OF AMERICA CORP | Beneficial Owner of more than 10% of a Class of Security | Purchase | 343 | $4,303 |
| 2026-01-26 | BANK OF AMERICA CORP | Beneficial Owner of more than 10% of a Class of Security | Sale | 343 | $4,202 |
| 2026-01-02 | BANK OF AMERICA CORP | Beneficial Owner of more than 10% of a Class of Security | Purchase | 6,075 | $76,606 |
| 2026-01-02 | BANK OF AMERICA CORP | Beneficial Owner of more than 10% of a Class of Security | Sale | 6,075 | $76,029 |
| 2025-12-11 | TOTH TERENCE J | Trustee | Purchase | 6,677 | $84,965 |
BANK OF AMERICA CORP
Beneficial Owner of more than 10% of a Class of Security
2026-02-25
8 shares
·
$103
BANK OF AMERICA CORP
Beneficial Owner of more than 10% of a Class of Security
2026-02-25
8 shares
·
$104
BANK OF AMERICA CORP
Beneficial Owner of more than 10% of a Class of Security
2026-01-26
343 shares
·
$4,303
BANK OF AMERICA CORP
Beneficial Owner of more than 10% of a Class of Security
2026-01-26
343 shares
·
$4,202
BANK OF AMERICA CORP
Beneficial Owner of more than 10% of a Class of Security
2026-01-02
6,075 shares
·
$76,606
BANK OF AMERICA CORP
Beneficial Owner of more than 10% of a Class of Security
2026-01-02
6,075 shares
·
$76,029
TOTH TERENCE J
Trustee
2025-12-11
6,677 shares
·
$84,965
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
Recent headlines mentioning NZF from our newsroom.
Newest → oldest
No matching news yet.