Notes Receivable and Allowances for Credit Losses (Details) - USD ($) $ in Millions |
12 Months Ended | |||
|---|---|---|---|---|
Jul. 31, 2026 |
Jul. 31, 2025 |
Jul. 31, 2024 |
Jul. 31, 2023 |
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] | ||||
| Commitment to purchase, amount originated before period end | $ 253 | |||
| Threshold period past due | 1 day | |||
| Loans held for sale | $ 179 | $ 0 | ||
| Loans sold | 2,100 | 543 | $ 323 | |
| Commercial Portfolio Segment | ||||
| Accounts, Notes, Loans and Financing Receivable [Line Items] | ||||
| Loans purchased from originating bank partner, principal balance | 6,200 | 3,500 | 1,800 | |
| Notes receivable, net | 1,500 | 1,500 | ||
| Allowance for credit loss | (134) | (100) | (62) | $ (30) |
| Consumer Portfolio Segment | ||||
| Accounts, Notes, Loans and Financing Receivable [Line Items] | ||||
| Loans purchased from originating bank partner, principal balance | 670 | 482 | $ 700 | |
| Notes receivable, net | $ 94 | $ 2 | ||
| X | ||||||||||
- Definition Financing Receivable, Excluding Accrued Interest, Loans Originated Before Period End, Commitment To Purchase No definition available.
|
| X | ||||||||||
- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
|
| X | ||||||||||
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
|
| X | ||||||||||
- Definition Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
|
| X | ||||||||||
- Definition Amount excluding accrued interest, of increase in financing receivable from purchase. Excludes net investment in lease. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
|
| X | ||||||||||
- Definition Amount of decrease in financing receivable from sale. Excludes net investment in lease. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
|
| X | ||||||||||
- Definition Threshold period when financing receivable is considered past due, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days. Excludes threshold period past due to write off as uncollectible. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
|
| X | ||||||||||
- Definition Amount, before valuation allowance, of financing receivable classified as held-for-sale. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
|
| X | ||||||||||
- Details
|
| X | ||||||||||
- Details
|