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Notes Receivable and Allowances for Credit Losses - Schedule Of Allowance For Credit Losses (Details) - Commercial Portfolio Segment - USD ($)
$ in Millions
3 Months Ended
Oct. 31, 2025
Oct. 31, 2024
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]    
Beginning balance $ 100 $ 62
Provision for expected credit losses 38 21
Charge-offs (31) (16)
Recoveries 5 2
Ending balance $ 112 $ 69