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CONTINGENT LIABILITIES AND COMMITMENTS (Details) $ in Thousands | 12 Months Ended
--- | ---
Jul. 31, 2025 USD ($) matter | Jul. 31, 2024 USD ($) matter | Jul. 31, 2023 USD ($) matter
Loss Contingencies [Line Items] |  |  |
Standby repurchase obligations amount | $ 3,484,235 | $ 3,642,137 |
Terms of commitments (in months) | 18 months |  |
Repurchase and guarantee reserve balances | $ 17,508 | 14,356 |
Losses on repurchase agreements | $ 0 | $ 7,107 | $ 0
Loss contingency, number of matters | matter | 2 | 2 | 2
General and Administrative Expense |  |  |
Loss Contingencies [Line Items] |  |  |
Expenses recorded related to product recall costs | $ 0 | $ 17,979 | $ 0

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