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Notes Receivable and Allowances for Credit Losses - Narrative (Details) - USD ($)
$ in Millions
3 Months Ended
Oct. 31, 2025
Oct. 31, 2024
Jul. 31, 2025
Jul. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loans purchased from originating bank partner, principal balance $ 1,300 $ 650    
Commitment to purchase, amount originated before period end $ 36      
Period past due considered delinquent 1 day      
Notes receivable held for sale $ 48   $ 0  
Loans sold 205 106    
Commercial Portfolio Segment        
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Notes receivable, net 1,700   1,500  
Allowance for credit loss $ 112 $ 69 $ 100 $ 62