Microsoft (NASDAQ:MSFT | MSFT Price Prediction) has integrated artificial intelligence (AI) into its products more extensively than most of its peers, with tools like Copilot embedded across its software suite and its Azure AI infrastructure sold out in key regions.Bullish analyses often focus on its potential to monetize Copilot through paid upgrades, but current adoption remains low at 3.3% of its user base. 

The market, though, appears skeptical, with Microsoft stock down 17% year-to-date and a drop of about 26% from its 52-week high around $555 per share. Shares now trade at a price-to-earnings ratio under 25, equivalent to where it traded back in 2015 when ratios hovered in…