Naruto had them frogs helping him out and most of his moves was just luck or out of rage. Top it off, if it was a truly one on one fight, he would've lost for sure. Naruto don't adapt to situation, he simply just overpower it or let the 9 tails do the work or have friends help him.
Sasuke(Before getting his MS) and Kakashi are alike. My point is you can raise a ninja to fight like kakashi. But you can't raise a ninja to fight like naruto.
We haven't seen enough one on one fights for naruto to call him a versatile ninja.
Okay then. Let's look up the definition of versatile
ver·sa·tile
ˈvərsətl/Submit
adjective
1.
able to adapt or be adapted to many different functions or activities.
Let's look at how many activities or functions Naruto has adapted his jutsu or powers to do:
Immobilization
Heightened speed and strength
Defense
Healing
Damaging
Sensing/Tracking
Traveling
Distraction/Misleading
You say Kakashi is versatile, let's see how much his has:
Damage
Track
Defense
Immobilize
Information gathering
Distraction/Misleading
As we can see here, Kakashi has less than Naruto, but you consider Kakashi versatile but not Naruto?