v3.26.1
Notes Receivable and Allowances for Credit Losses (Tables)
12 Months Ended
Jul. 31, 2026
Receivables [Abstract]  
Schedule of allowance for credit losses
The changes in the allowance for credit losses for our business loan portfolio for the twelve months ended July 31, 2026, 2025, and 2024 were as shown in the following table.
Twelve Months Ended July 31,
(In millions)202620252024
Beginning balance$100 $62 $30 
Provision for expected credit losses199 115 89 
Charge-offs(185)(88)(65)
Recoveries20 11 
Ending balance$134 $100 $62