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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Millions
 3 Months Ended
Oct. 31, 2024
Oct. 31, 2023
Cash flows from operating activities:    
Net income $ 197 $ 241
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Depreciation 44 33
Amortization of acquired intangible assets 157 158
Non-cash operating lease cost 19 22
Share-based compensation expense 511 495
Deferred income taxes (91) (126)
Other 63 28
Total adjustments 703 610
Originations and purchases of loans held for sale 0 (44)
Sales and principal repayments of loans held for sale 0 35
Changes in operating assets and liabilities:    
Accounts receivable 31 33
Income taxes receivable 51 12
Prepaid expenses and other assets (27) (33)
Accounts payable (75) (5)
Accrued compensation and related liabilities (507) (232)
Deferred revenue 19 (159)
Income taxes payable 12 (565)
Operating lease liabilities (22) (20)
Other liabilities (20) 30
Total changes in operating assets and liabilities (538) (939)
Net cash provided by (used in) operating activities 362 (97) Close
Cash flows from investing activities:    
Purchases of corporate and customer fund investments (306) (92)
Sales of corporate and customer fund investments 55 94
Maturities of corporate and customer fund investments 235 301
Purchases of property and equipment (33) (84)
Originations and purchases of loans held for investment (666) (377)
Sales of loans originally classified as held for investment 110 0
Principal repayments of loans held for investment 420 358
Other (3) 10
Net cash provided by (used in) investing activities (188) 210 Close
Cash flows from financing activities:    
Proceeds from issuance of long-term debt, net of discount and issuance costs 0 3,956
Repayments of debt 0 (4,200)
Proceeds from borrowings under secured revolving credit facilities 85 0
Proceeds from issuance of stock under employee stock plans 96 92
Payments for employee taxes withheld upon vesting of restricted stock units (239) (212)
Cash paid for purchases of treasury stock (557) (584)
Dividends and dividend rights paid (296) (260)
Net change in funds receivable and funds payable and amounts due to customers 1,672 2,040
Other 0 17
Net cash provided by financing activities 761 849 Close
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents 0 (17) Close
Net increase in cash, cash equivalents, restricted cash, and restricted cash equivalents 935 945 Close
Cash, cash equivalents, restricted cash, and restricted cash equivalents at beginning of period 7,099 2,852
Cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period 8,034 3,797
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 2,872 1,734
Restricted cash and restricted cash equivalents included in funds receivable and amounts held for customers 5,162 2,063
Total cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period 8,034 3,797
Supplemental schedule of non-cash investing activities:    
Transfers of loans originated or purchased as held for investment to held for sale $ 113 $ 0