Sifting through countless of stocks in the Software industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in ACI Worldwide, Inc. or Karooooo Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how ACI Worldwide, Inc. and Karooooo Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About ACI Worldwide, Inc. and Karooooo Ltd.

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It has strategic partnerships with dLocal. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.

Karooooo Ltd. provides software applications for fleet management, mobile asset tracking, workforce management, and video solutions in South Africa, the rest of Africa, Europe, the Asia-Pacific, the Middle East, and the United States. It operates through Cartrack, Carzuka, and Karooooo Logistics segments. The company offers Cartrack, a mobility SaaS cloud that provides systems integration, fleet management and administration, field worker management, video-based safety, risk mitigation and compliance, delivery management, and reporting solutions; and Karooooo Logistics, a software application for management of last-mile delivery and general operational logistics. It also provides physical and e-commerce vehicle buying and selling marketplace. The company serves consumers and sole proprietors, small and medium-sized businesses, and large enterprises. Karooooo Ltd. was founded in 2001 and is headquartered in Singapore.

Latest Software and ACI Worldwide, Inc., Karooooo Ltd. Stock News

As of August 6, 2026, ACI Worldwide, Inc. had a $5.6 billion market capitalization, compared to the Software median of $1.0 million. ACI Worldwide, Inc.’s stock is up 15.5% in 2026, down 4.3% in the previous five trading days and up 32.93% in the past year.

Currently, ACI Worldwide, Inc.’s price-earnings ratio is 27.9. ACI Worldwide, Inc.’s trailing 12-month revenue is $1.8 billion with a 11.5% net profit margin. Year-over-year quarterly sales growth most recently was 7.9%. Analysts expect adjusted earnings to reach $3.517 per share for the current fiscal year. ACI Worldwide, Inc. does not currently pay a dividend.

As of August 6, 2026, Karooooo Ltd. had a $2.0 billion market cap, putting it in the 53rd percentile of all stocks. Karooooo Ltd.’s stock is up 39.9% in 2026, down 0.6% in the previous five trading days and up 41.01% in the past year.

Currently, Karooooo Ltd.’s price-earnings ratio is 31.5. Karooooo Ltd.’s trailing 12-month revenue is $344.5 million with a 17.8% net profit margin. Year-over-year quarterly sales growth most recently was 80.8%. Analysts expect adjusted earnings to reach $2.414 per share for the current fiscal year. Karooooo Ltd. currently has a 2.4% dividend yield.

How We Compare ACI Worldwide, Inc. and Karooooo Ltd. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at ACI Worldwide, Inc. and Karooooo Ltd.’s stock grades to see how they measure up against one another.

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ACI Worldwide, Inc. and Karooooo Ltd. Stock Value Grades

Company	Ticker	Value
ACI Worldwide, Inc.	ACIW	D
Karooooo Ltd.	KARO	D

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

ACI Worldwide, Inc. has a Value Score of 39, which is Expensive. Karooooo Ltd. has a Value Score of 40, which is Expensive.

The Value Stock Winner: No Clear Winner

Neither ACI Worldwide, Inc. or Karooooo Ltd. has a high enough value grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolio. It’s important to look at a wide range of financial metrics in order to determine if ACI Worldwide, Inc. or Karooooo Ltd. is the better investment when it comes to value.

ACI Worldwide, Inc. and Karooooo Ltd. Growth Grades

Company	Ticker	Growth
ACI Worldwide, Inc.	ACIW	A
Karooooo Ltd.	KARO	A

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

ACI Worldwide, Inc. has a Growth Score of 100, which is Very Strong. Karooooo Ltd. has a Growth Score of 95, which is Very Strong.

The Growth Grade Winner: It’s a Tie!

Looking at the Growth Grade breakdown above, both ACI Worldwide, Inc. and Karooooo Ltd. have a grade of A. For investors who focus solely on a company’s upward growth, further research should be conducted into both companies’ other financial metrics before deciding whether to invest.

ACI Worldwide, Inc. and Karooooo Ltd.’s Momentum Grades

Company	Ticker	Momentum
ACI Worldwide, Inc.	ACIW	B
Karooooo Ltd.	KARO	A

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

ACI Worldwide, Inc. has a Momentum Score of 69, which is Strong. Karooooo Ltd. has a Momentum Score of 76, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both ACI Worldwide, Inc. and Karooooo Ltd. have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Other ACI Worldwide, Inc. and Karooooo Ltd. Grades

In addition to Growth, Momentum and Value, A+ Investor also provides grades for Estimate Revisions and Quality.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether ACI Worldwide, Inc. and Karooooo Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, ACI Worldwide, Inc. or Karooooo Ltd. Stock?

Overall, ACI Worldwide, Inc. stock has a Value Score of 39, Growth Score of 100 and Momentum Score of 69.

Karooooo Ltd. stock has a Value Score of 40, Growth Score of 95 and Momentum Score of 76.

Comparing ACI Worldwide, Inc. and Karooooo Ltd.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.