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Notes Receivable and Allowances for Credit Losses (Details) - USD ($)
$ in Millions
12 Months Ended
Jul. 31, 2025
Jul. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans purchased from originating bank partner, principal balance $ 3,500 $ 1,800
Commitment to purchase, amount originated before period end $ 38  
Notes receivable, net   912
Threshold period past due, writeoff 120 days  
Threshold period past due 1 day  
Sales of term loans $ 543 323
Loans held for sale 0 $ 3
Small Business Loan    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Notes receivable, net $ 1,500