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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 6 Months Ended
Jan. 31, 2026
Jan. 31, 2025
Jan. 31, 2026
Jan. 31, 2025
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]        
Beginning balance $ 112 $ 69 $ 100 $ 62
Provision for expected credit losses 49 32 87 53
Charge-offs (44) (20) (75) (36)
Recoveries 3 3 8 5
Ending balance $ 120 $ 84 $ 120 $ 84