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Notes Receivable and Allowances for Credit Losses (Tables) | 3 Months Ended
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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 |

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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