v3.26.1
Notes Receivable and Allowances for Credit Losses (Tables)
9 Months Ended
Apr. 30, 2026
Receivables [Abstract]  
Financing Receivable, Allowance for Credit Loss
The changes in the allowance for credit losses for our business loan portfolio for the three and nine months ended April 30, 2026 and 2025 were as shown in the following table.
Three Months Ended
Nine Months Ended
(In millions)
April 30,
2026
April 30,
2025
April 30,
2026
April 30,
2025
Beginning balance
$120 $84 $100 $62 
Provision for expected credit losses61 30 148 83 
Charge-offs
(53)(24)(128)(60)
Recoveries14 
Ending balance
$134 $93 $134 $93