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These 3 AI Winners Don’t Sell the Tech—They Use It

Authored by Nathan Reiff. Posted: 7/27/2026.

As the AI industry remains in its early stages, investors have understandably focused on companies at the center of the space: firms that build the hardware and infrastructure necessary to run AI systems, for example, or those that build and power data centers.

Many large, well-established companies don't need to be part of this foundational aspect of AI to reap its benefits, however. Instead, these firms can use AI to reduce costs, increase revenue, boost customer retention and more. In this landscape, companies outside the technology sector may be positioned to benefit from AI even without being directly involved in developing it, particularly if they have valuable proprietary data or large customer bases. Below are some of the behind-the-scenes AI companies using and benefiting from the technology without making or selling it.

Intuit's Integration of AI Continues to Drive Growth, Cost Savings

A maker of bookkeeping, tax preparation and other financial software, Intuit Inc. (NASDAQ: INTU) has successfully embedded AI into existing products such as TurboTax and QuickBooks. This allows users to more easily categorize expenses, draft invoices, generate financial forecasts and more. For data-heavy financial processes like those Intuit supports, the boost provided by AI can be significant.

The company is heading into the second half of 2026—and the final quarter of its fiscal year—with a strong financial foundation. Revenue increased 10% year over year (YOY) last quarter, and non-GAAP earnings per share (EPS) also rose, with both the top and bottom lines exceeding guidance. Management recently raised its full-year outlook for both metrics as well. AI has also allowed Intuit to reduce its workforce by 17% in the last quarter, helping simplify operations and reduce costs. These savings are expected to support both bottom-line and margin growth.

Intuit is a compelling Moderate Buy given its anticipated 15% earnings growth over the coming year and its low debt-to-equity ratio of 0.3. The company has increased its dividend for more than a decade and currently pays a healthy yield of 1.70%.

Behind-the-Scenes AI Boosts Walmart's Deliveries, Operations, Shopping Experiences

Multinational retail giant Walmart Inc. (NASDAQ: WMT) benefits from AI in ways that are less visible to customers but still highly useful for lowering costs and improving efficiency. Retailers such as Walmart use AI to predict demand, reduce inventory shortages, limit food waste, optimize deliveries, implement dynamic pricing, automate customer support and more. From AI-first shopping experiences to assistive tools for associates, Walmart has embraced AI in numerous ways.

WMT shares have fallen roughly 9% over the last month and are also down slightly on a year-to-date (YTD) basis, as a price-to-earnings (P/E) ratio of nearly 38 continues to give some investors pause about the company's valuation. Still, its fundamentals are strong in several respects. In the last quarter, the company increased sales by nearly 6% YOY on a constant-currency basis, while e-commerce sales climbed 26% YOY. Traffic, transactions, advertising, membership-fee revenue and margins are all growing quickly. AI has helped Walmart increase its delivery capacity and efficiency, with the company saying that more than 60% of U.S. households can be reached within 30 minutes.

Despite the price dip and valuation concerns, analysts view Walmart favorably: Eight out of every nine analysts covering the company give WMT shares a Buy rating.

JPMorgan's AI Applications Can Cut Costs, Streamline Operations

As one of the largest banks in the world, JPMorgan Chase & Co. (NYSE: JPM) generates an incredible volume of structured data. This makes the business well suited to AI-based improvements, with everything from fraud detection and credit underwriting to risk management, money-laundering monitoring and compliance review likely to benefit. In the compliance and operations areas alone, banks such as JPMorgan spend billions each year; even modest cost reductions from AI could have a significant positive impact on profitability.

JPMorgan stands out among its rivals thanks to its record Q2 2026 results, which included top- and bottom-line beats as well as healthy loan and deposit growth. Net interest income climbed 9% YOY, supported by favorable rates and an average loan base of $1.5 trillion. One standout metric for the quarter was book value per share, which rose 9% YOY to $133.01, distinguishing JPMorgan from its peers. With this in mind, JPM's Moderate Buy rating from Wall Street appears well deserved, even as shares have risen nearly 24% in a rally since late March.