v3.26.1
Cash and Cash Equivalents, Investments, and Funds Receivable and Amounts Held for Customers (Tables)
 12 Months Ended
Jul. 31, 2026
Cash and Cash Equivalents, Investments, and Funds Receivable and Amounts Held for Customers [Abstract]  
Cash and cash equivalents, investments and funds receivable and amounts held for customers by balance sheet classification
The following table summarizes our cash and cash equivalents, investments, and funds receivable and amounts held for customers by balance sheet classification at the dates indicated.
July 31, 2026July 31, 2025
(In millions)
Amortized
Cost
Fair Value
Amortized
Cost
Fair Value
Classification on consolidated balance sheets:
Cash and cash equivalents$4,705 $4,705 $2,884 $2,884 
Investments2,495 2,495 1,667 1,668 
Funds receivable and amounts held for customers5,039 5,038 7,076 7,076 
Total cash and cash equivalents, investments, and funds receivable and amounts held for customers$12,239 $12,238 $11,627 $11,628 
Cash and cash equivalents, investments and relevant portion of funds receivable and amounts held for customers by investment category
The following table summarizes our cash and cash equivalents, investments, and relevant portion of funds receivable and amounts held for customers by investment category at the dates indicated. As of July 31, 2026 and July 31, 2025, this excludes $377 million and $329 million, respectively, of funds receivable from third-party payment processors on our consolidated balance sheets included in funds receivable and amounts held for customers that were not measured and recorded at fair value.
July 31, 2026July 31, 2025
(In millions)Amortized CostFair ValueAmortized CostFair Value
Type of issue:
Total cash, cash equivalents, restricted cash, and restricted cash equivalents$9,216 $9,216 $9,481 $9,481 
Available-for-sale debt securities:
Corporate notes870 869 502 502 
U.S. agency securities1,776 1,776 1,315 1,316 
Total available-for-sale debt securities2,646 2,645 1,817 1,818 
Total cash, cash equivalents, restricted cash, restricted cash equivalents, and investments$11,862 $11,861 $11,298 $11,299 
Available-for-sale debt securities classified by the stated maturity date of the security
The following table summarizes our available-for-sale debt securities, included in investments and relevant portion of funds receivable and amounts held for customers, classified by the stated maturity date of the security at the dates indicated.
July 31, 2026July 31, 2025
(In millions)Amortized CostFair ValueAmortized CostFair Value
Due within one year$2,519 $2,519 $1,694 $1,694 
Due within two years65 65 62 63 
Due within three years62 61 61 61 
Total available-for-sale debt securities$2,646 $2,645 $1,817 $1,818 
Schedule of funds receivable and amounts held for customers
The following table summarizes our funds receivable and amounts held for customers by asset category at the dates indicated.
(In millions)July 31, 2026July 31, 2025July 31, 2024July 31, 2023
Restricted cash and restricted cash equivalents$4,511 $6,597 $3,490 $4 
Restricted available-for-sale debt securities150 150 150 200 
Restricted funds receivable377 329 281 216 
Total funds receivable and amounts held for customers$5,038 $7,076 $3,921 $420