Notes Receivable and Allowances for Credit Losses - Narrative (Details) - USD ($) $ in Millions |
3 Months Ended | 9 Months Ended | ||||||
|---|---|---|---|---|---|---|---|---|
Apr. 30, 2026 |
Apr. 30, 2025 |
Apr. 30, 2026 |
Apr. 30, 2025 |
Jan. 31, 2026 |
Jul. 31, 2025 |
Jan. 31, 2025 |
Jul. 31, 2024 |
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] | ||||||||
| Allowance for credit losses on loan purchase commitments | $ 0 | $ 0 | $ 0 | |||||
| Notes receivable held for sale | 69 | 69 | 0 | |||||
| Loans sold | 1,400 | $ 288 | ||||||
| Commercial Portfolio Segment | ||||||||
| Accounts, Notes, Loans and Financing Receivable [Line Items] | ||||||||
| Loans purchased from originating bank partner, principal balance | 4,300 | $ 2,400 | ||||||
| Commitment to purchase, amount originated before period end | 287 | 287 | ||||||
| Notes receivable, net | 1,500 | 1,500 | ||||||
| Allowance for credit loss | 134 | 93 | 134 | $ 93 | $ 120 | 100 | $ 84 | $ 62 |
| Consumer Portfolio Segment | ||||||||
| Accounts, Notes, Loans and Financing Receivable [Line Items] | ||||||||
| Loans purchased from originating bank partner, principal balance | 643 | $ 459 | ||||||
| Notes receivable, net | $ 243 | $ 243 | $ 2 | |||||