Intangible Assets and Goodwill

12 Months Ended

Sep. 30, 2024

Goodwill and Intangible Assets Disclosure [Abstract]

Intangible Assets and Goodwill

Note 8—Intangible Assets and Goodwill

Indefinite-lived and finite-lived intangible assets consisted of the following: 

	September 30,
	2024						2023
	Gross		Accumulated Amortization		Net		Gross		Accumulated Amortization		Net
	(in millions)
Finite-lived intangible assets:
Customer relationships	$	535	$	(298)	$	237	$	829	$	(572)	$	257
Trade names	190		(179)		11		195		(172)		23
Other	—		—		—		111		(111)		—
Total finite-lived intangible assets	725		(477)		248		1,135		(855)		280
Indefinite-lived intangible assets:
Customer relationships and reacquired rights	22,557		—		22,557		21,740		—		21,740
Visa trade name	4,084		—		4,084		4,084		—		4,084
Total indefinite-lived intangible assets	26,641		—		26,641		25,824		—		25,824
Total intangible assets	$	27,366	$	(477)	$	26,889	$	26,959	$	(855)	$	26,104

For fiscal 2024, 2023 and 2022, amortization expense related to finite-lived intangible assets was $79 million, $76 million and $90 million, respectively.

As of September 30, 2024, estimated future amortization expense on finite-lived intangible assets was as follows:

	For the Years Ending September 30,
	2025		2026		2027		2028		2029		Thereafter		Total
	(in millions)
Estimated future amortization expense	$	67	$	51	$	49	$	32	$	18	$	31	$	248

The changes in goodwill were as follows:

	For the Years Ended September 30,
	2024		2023
	(in millions)
Balance as of beginning of period	$	17,997	$	17,787
Goodwill from acquisitions	790		—
Foreign currency translation	154		210
Balance as of end of period	$	18,941	$	17,997