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Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Millions
 9 Months Ended
Apr. 30, 2024
Apr. 30, 2023
Cash flows from operating activities:    
Net income $ 2,983 $ 2,295
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 111 127
Amortization of acquired intangible assets 470 484
Non-cash operating lease cost 63 68
Share-based compensation expense 1,421 1,264
Deferred income taxes (361) (389)
Other 69 48
Total adjustments 1,773 1,602
Originations and purchases of loans held for sale (96) 0
Sales and principal repayments of loans held for sale 98 0
Changes in operating assets and liabilities:    
Accounts receivable (384) (269)
Income taxes receivable 25 91
Prepaid expenses and other assets 18 (286)
Accounts payable 286 212
Accrued compensation and related liabilities 20 45
Deferred revenue (79) 18
Income taxes payable (262) 646
Operating lease liabilities (45) (59)
Other liabilities 130 (91)
Total changes in operating assets and liabilities (291) 307
Net cash provided by operating activities 4,467 4,204 Close
Cash flows from investing activities:    
Purchases of corporate and customer fund investments (564) (566)
Sales of corporate and customer fund investments 491 196
Maturities of corporate and customer fund investments 489 335
Purchases of property and equipment (208) (220)
Acquisitions of businesses, net of cash acquired 0 (33)
Originations and purchases of loans held for investment (1,926) (1,600)
Sales of loans originally classified as held for investment 101 0
Principal repayments of loans held for investment 1,688 1,365
Other (46) (26)
Net cash provided by (used in) investing activities 25 (549) Close
Cash flows from financing activities:    
Proceeds from issuance of long-term debt, net of discount and issuance costs 3,956 0
Repayments of debt (4,200) (509)
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 95 212
Repayments on borrowings under secured revolving credit facilities (25) (22)
Proceeds from issuance of stock under employee stock plans 226 150
Payments for employee taxes withheld upon vesting of restricted stock units (632) (376)
Cash paid for purchases of treasury stock (1,707) (1,495)
Dividends and dividend rights paid (773) (667)
Net change in funds receivable and funds payable and amounts due to customers 2,212 (196)
Other (3) (1)
Net cash used in financing activities (851) (2,904) Close
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents (12) 2 Close
Net increase in cash, cash equivalents, restricted cash, and restricted cash equivalents 3,629 753 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 6,481 3,750
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 4,215 3,745
Restricted cash and restricted cash equivalents included in funds receivable and amounts held for customers 2,266 5
Total cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period 6,481 3,750
Supplemental schedule of non-cash investing activities:    
Transfers of loans originated or purchased as held for investment to held for sale $ 106 $ 0