v3.26.1
Notes Receivable and Allowances for Credit Losses - Schedule Of Allowance For Credit Losses (Details) - Commercial Portfolio Segment - USD ($)
$ in Millions
3 Months Ended 9 Months Ended
Apr. 30, 2026
Apr. 30, 2025
Apr. 30, 2026
Apr. 30, 2025
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]        
Beginning balance $ 120 $ 84 $ 100 $ 62
Provision for expected credit losses 61 30 148 83
Charge-offs (53) (24) (128) (60)
Recoveries 6 3 14 8
Ending balance $ 134 $ 93 $ 134 $ 93