The global artificial intelligence (AI) market is said to be worth around $62 billion in 2020 but could also grow 40% yearly through 2028. If you do not yet own AI stocks in your long-term portfolio, it may be time to start thinking about it.

The recent sell-off within the market of high-growth and tech companies has made for a great buying opportunity for patient and bold investors. Here are the two of the leading AI stocks that remain attractively priced today and that are constructing moats around their algorithms.

1. Upstart Holdings

Your FICO credit score is the main focal point of a person’s financial identity today. It usually determines whether you can get approved for a loan or get funding to purchase a car. The FICO score has been around for a long time and its criteria for scoring depends on some old-school ideas about your creditworthiness. Upstart Holdings is starting to disrupt the FICO score by incorporating their own algorithms to make lending decisions while using consumer data and not the individual’s credit score.

The company also claims that its tech will come from loans at the same approval rate while lowering defaults by 75%. Upstart’s main revenue comes from fees that it receives for loan referrals to its network of lending partners. It is currently partnered with about 31 lenders, which is up from 10 just a year ago, and a few have even completely abandoned FICO scores, depending solely on Upstart’s technology.

Upstart’s revenue has grown 250% year over year in Q3 of 2021 to $228 million, and Upstart is already profitable, producing $29.1 million in net income stream during the quarter. The stock value has come down over 70% during this tech sell-off, which can be a great time to buy as Upstart starts to expand into new loan categories.

2. Affirm Holdings

With the buy now, pay later (BNPL) loans, consumers are able to purchase or borrow an item and pay it back in payments, often interest-free. BNPL has is starting to be increasingly popular, threatening to take away from credit card companies’ stronghold on consumer’s spending. Affirm Holdings is among the top BNPL players, using algorithms to help make lending choices at the point of sale when a customer makes a purchase, analyzing how much should be approved a user for.

Affirm is also positioning itself well within the e-commerce space, partnering with large online retailers including Shopify, Amazon, Target, Walmart and many other leading brands that users are able to shop via Affirm’s smartphone app. The BNPL industry has gotten a lot of attention after a report came out that revealed that one-third of U.S. borrowers were starting to fall behind on their BNPL payments. But looking at the company’s earnings filing for the quarter ended September 30, 2021, only about 5% of the company’s loan balances were behind, which indicates that Affirm’s algorithms are making better lending choices than its competitors.

The stock had fallen close to its lowest price since going public this past year, before Affirm announced its partnership with Amazon. On top of that, Affirm should release its debit card in 2022, which will give customers the ability to use Affirm payment option at physical stores, and then the will be able to split their purchases directly into BNPL installments.

The good thing about the recent market decline is that it has helped to create great opportunities for investors. Indeed, there are now numerous stocks that are a lot cheaper than they were just six months to one year ago. Those searching for bargains in the market should not have a lot of trouble hitting the mark.

But just in case you need a little inspiration, here are two stocks that are currently trading close their 52-week lows: Meta Platforms and Trulieve Cannabis. Here is why their shares are worth buying right now, especially at their current levels.

1. Trulieve Cannabis

Last year, Owen Bennett said pot stocks in the U.S. are a generational wealth builder. Bennett also said he believed retail marijuana sales in the United States would hit the $64 billion mark by year 2030 — up from $17.2 billion in year 2020 — and one of the stocks that he suggests you should cash in on is Trulieve Cannabis. This medical marijuana company is a top player in Florida, but it also has a presence in 10 additional states, with 159 retail dispensaries throughout the country as of early Jan.

Trulieve Cannabis has had a more disciplined and careful strategy than many of its competitors in the cannabis industry, many of which have splurged on acquisitions with the hope of dominating the markets. Meanwhile, Trulieve Cannabis first established a strong footprint in Florida — becoming one of the top players in the marijuana industry in Florida — before greatly boosting its footprints throughout the country, thanks in part to a certain acquisition.

The marijuana grower has consistently achieved profitability while also establishing a broader network throughout the U.S. than any of its competitors. In its third quarter, Trulieve marijuana’ revenue skyrocketed by 64% to $224.1 million. The company’s net earnings came in at $18.6 million, which was 7% higher than the year before.

2. Meta Platforms

First, Meta Platforms has been boosting its efforts to add e-commerce to its many apps. Meta’s giant ecosystem of 2.91 billion monthly active users is something merchants would not want to ignore. That is why Meta Platforms hopes to bring businesses onto Instagram and Facebook by letting them set up online stores on these popular platforms.

Of course, the ambitions of Meta Platforms have been a hot topic for the past year. The metaverse is an immersed, parallel, virtual world people will be able to enter thanks to virtual reality devices, in which they can interact with each other and their environments.

Eric Sheridan, an analyst from Wall Street, believes the metaverse might be an $8 trillion investment opportunity. That is huge. And if it is even remotely close to accurate, those businesses leading the charge into this massive market space will be greatly rewarded somewhere in the future– along with their shareholders.

Meta Platforms is already a leader in virtual reality thanks to Oculus, and it is investing a lot of money into developing the metaverse. In Q1, Meta Platforms’ reality labs revenue, rose by 22.3% to $877 million.

Meta Platforms’ recent dip is an excellent buying opportunity for investors who have bought into Meta’s vision of the future.

Big pharma stocks are not exactly the traditional option for making millions. With huge market capitalizations and a fast rate of expansion, it is easy to see why a lot of the growth traders eschew them for nimbler, smaller biotechs that can potentially multiply in price overnight.

The two healthcare stocks that I will discuss pay a dividend that is higher than the market’s avg. yield of 1.27%, but the real advantage these stocks have is that they produce medicines that healthcare systems and patients will need more or less forever. They probably will not always perform better than the market but using the income coming from their dividend might pad your wallet continuously over the coming years, and getting paid is the key to making a fortune.

1. Grifols

Grifols makes plasma-derived medications that are necessary for a number of hospital procedures ranging from rehydration to cardiopulmonary bypasses, producing trailing revenue streams of $5.2 billion in the process of this. Because the easiest method to manufacture these medications is to take them directly from human plasma, it also has 370 donation centers around the world.

Though the business faced a hard time finding plasma donors during the onset of the pandemic, things are now normalizing quickly, and that means newer investors are well positioned to benefit in the near future.

One of the stock’s largest appeals is its forward dividend yield of about 7.69%, which is really big. What’s more, its dividend has seen growth of about 180.1% in the past five years, and there is likely more to come. The payout will not make anyone rich overnight, but if it is kept in your portfolio for years, you will definitely get richer.

Moving forward, Grifols predicts to benefit from plasma donors that have been increasing in volume, which will drive down the costs of compensating individuals who choose to donate. At the same time, management expects the demand for plasma proteins will keep rising, buoying the fair market value of its products. That will surely put a downward pressure on the cost of goods that are sold, which accounts for above 57% of its quarterly revenue, thereby increasing its profit margin as well.

2. Bristol Myers Squibb

As a traditional big pharma company, Bristol Myers Squibb creates and commercializes medications for immunological disorders, cancers and even hereditary conditions. Its huge pipeline has dozens of late-stage projects that are advancing toward the regulatory submissions, and it might have as many as seven new regulatory approvals this year alone, with much more to come throughout the next decade.

From 2022 to 2024, management expects that it will have free cash flow of around $50 billion. With that cash, Bristol Myers will be hiking its dividend, making acquisitions and performing share repurchases, all of which will reward the investors who were brave enough to stay around during the transitionary period.

Presently, its forward dividend yield is about 3.37%. If the pharma keeps raising its dividend each year at the same pace as the past three years, it will grow by over 31% before year 2026, even as its revenue mix changes. And, with the increase from its many new drug approvals, shareholders will likely be sitting pretty by year 2030.

Sometimes, the best companies aren’t flashy growth businesses. Instead, they are the easy-to-understand companies that happen to be very good at what they do. For instance, look at what United Parcel Service has accomplished.

UPS has thrived during the peak of the Covid-19 pandemic as even more people have ordered packages online rather than shopping in person. It has sustained that momentum during 2021 as economies have reopened around the globe, leaning into the demand for healthcare package deliveries and helping to fuel the continuing growth of the e-commerce industry. Here are just a few reasons why UPS has continued to do well and why its stock is an excellent buy.

1. UPS has continued to deliver record numbers

At the time, 2020 was UPS’ best year yet. And its best ever quarter was the last three months of the year as it has thrived during the holidays. UPS has also addressed vaccine deliveries, capping 2021 off by delivering about 1.1 billion doses of the vaccine in total.

Established businesses tend to have a hard time following their record performances. Just look at Clorox’s struggles in beating its record year. However, UPS has risen to the challenge by growing its revenue by 11.5% during 2021 compared to the year before. It posted a free cash flow of $10.9 billion, more than twice what it had earned during 2020, booking a whole year operating margin of about 13.2% (the highest it has had in 15 years), and collecting $12.13 in diluted earnings per share.

The numbers really speak for themselves. But what has stood out is that UPS did this in a business environment that was easy to blame the supply chain shortages, the ongoing pandemic, inflation, labor shortages, rising interest rates. UPS didn’t shy away from any of these challenges. But it has delivered by beating one record year with another record year.

2. UPS has pricing power

UPS is a top player in a capital-intensive industry with a limited amount of competitors. This gives it the power to raise prices with little to no impact on the demand. During its third quarter of 2021 earnings call, UPS had announced a 5.9% general U.S. increased rate for 2022 to offset the higher costs. Similarly, its biggest competitor, FedEx, announced a 5.9% increase in its shipping rates for FedEx Express, FedEx Home Delivery and FedEx Ground, which went has went into effect January 3, 2022. In Dec. 2021, the U.S. Postal Service announced a 3.1% increased rate for most Priority Mail Express and Priority Mail services. Given that the whole industry is increasing prices, customers have little to no choice but to accept the higher costs.

3. UPS is still an inexpensive stock

UPS’ business is going very well and should continue to thrive even with the challenging climate of business. The cherry on top was the low valuation for its stock. Although UPS stock hit its new all-time high, it still closed the week out with a price-to-earnings ratio of around 18.5. Additionally, UPS fulfilled its promise of paying half of its adjusted EPS to its shareholders through a dividend. It has earned $12.13 in adjusted EPS during 2021, and just increased its 2022 dividend to $1.52 per quarter per share, or $6.08 per year per share, for a yield of 2.6%.