Notes Receivable and Allowances for Credit Losses (Tables)

3 Months Ended

Oct. 31, 2025

Receivables [Abstract]

Financing Receivable, Allowance for Credit Loss

The changes in the allowance for credit losses for our business loan portfolio for the three months ended October 31, 2025 and 2024 were as shown in the following table.

	Three Months Ended
(In millions)	October 31, 2025		October 31, 2024
Beginning balance	$	100	$	62
Provision for expected credit losses	38		21
Charge-offs	(31)		(16)
Recoveries	5		2
Ending balance	$	112	$	69