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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Millions
 6 Months Ended
Jan. 31, 2024
Jan. 31, 2023
Cash flows from operating activities:    
Net income $ 594 $ 208
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 69 94
Amortization of acquired intangible assets 314 324
Non-cash operating lease cost 43 46
Share-based compensation expense 970 845
Deferred income taxes (310) (290)
Other 55 42
Total adjustments 1,141 1,061
Originations and purchases of loans held for sale (96) 0
Sales and principal payments of loans held for sale 76 0
Changes in operating assets and liabilities:    
Accounts receivable (522) (456)
Income taxes receivable (97) 27
Prepaid expenses and other assets (4) (108)
Accounts payable 151 60
Accrued compensation and related liabilities (119) (75)
Deferred revenue (37) 40
Income taxes payable (697) (8)
Operating lease liabilities (33) (38)
Other liabilities 159 (99)
Total changes in operating assets and liabilities (1,199) (657)
Net cash provided by operating activities 516 612 Close
Cash flows from investing activities:    
Purchases of corporate and customer fund investments (92) (388)
Sales of corporate and customer fund investments 490 125
Maturities of corporate and customer fund investments 456 225
Purchases of property and equipment (147) (132)
Acquisitions of businesses, net of cash acquired 0 (33)
Originations and purchases of loans held for investment (1,140) (1,015)
Principal repayments of loans held for investment 709 530
Other (32) (16)
Net cash provided by (used in) investing activities 244 (704) Close
Cash flows from financing activities:    
Proceeds from issuance of long-term debt, net of discount and issuance costs 3,956 0
Repayment of debt (4,200) (9)
Proceeds from borrowings under unsecured revolving credit facility 100 0
Repayments on borrowings under unsecured revolving credit facility (100) 0
Proceeds from borrowings under secured revolving credit facilities 95 175
Repayments on borrowings under secured revolving credit facilities (25) (16)
Proceeds from issuance of stock under employee stock plans 169 81
Payments for employee taxes withheld upon vesting of restricted stock units (430) (259)
Cash paid for purchases of treasury stock (1,135) (1,017)
Dividends and dividend rights paid (516) (446)
Net change in funds receivable and funds payable and amounts due to customers 2,921 (199)
Cash received from a bank partner 0 336
Other (2) (1)
Net cash provided by (used in) financing activities 833 (1,355) Close
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents (4) (1) Close
Net increase (decrease) in cash, cash equivalents, restricted cash, and restricted cash equivalents 1,589 (1,448) Close
Cash, cash equivalents, restricted cash, and restricted cash equivalents at beginning of period 2,852 2,997
Cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period 4,441 1,549
Reconciliation of cash, cash equivalents, restricted cash, and restricted cash equivalents reported within the condensed consolidated balance sheets to the total amounts reported on the condensed consolidated statements of cash flows    
Cash and cash equivalents 1,474 1,547
Restricted cash and restricted cash equivalents included in funds receivable and amounts held for customers 2,967 2
Total cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period $ 4,441 $ 1,549