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CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($)
$ in Millions
 6 Months Ended
Jan. 31, 2025
Jan. 31, 2024
Cash flows from operating activities:    
Net income $ 668 $ 594
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 86 69
Amortization of acquired intangible assets 314 314
Non-cash operating lease cost 37 43
Share-based compensation expense 1,009 970
Deferred income taxes (227) (310)
Other 99 55
Total adjustments 1,318 1,141
Originations and purchases of loans held for sale 0 (96)
Sales and principal repayments of loans held for sale 0 76
Changes in operating assets and liabilities:    
Accounts receivable (560) (522)
Income taxes receivable (13) (97)
Prepaid expenses and other assets (208) (4)
Accounts payable 319 151
Accrued compensation and related liabilities (300) (119)
Deferred revenue 154 (37)
Income taxes payable 22 (697)
Operating lease liabilities (46) (33)
Other liabilities 77 159
Total changes in operating assets and liabilities (555) (1,199)
Net cash provided by operating activities 1,431 516
Cash flows from investing activities:    
Purchases of corporate and customer fund investments (321) (92)
Sales of corporate and customer fund investments 133 490
Maturities of corporate and customer fund investments 637 456
Purchases of property and equipment (64) (147)
Originations and purchases of loans held for investment (1,825) (1,140)
Sales of loans originally classified as held for investment 246 0
Principal repayments of loans held for investment 924 709
Other (407) (32)
Net cash provided by (used in) investing activities (677) 244
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 unsecured revolving credit facility 0 100
Repayments on borrowings under unsecured revolving credit facility 0 (100)
Proceeds from borrowings under secured revolving credit facilities 219 95
Repayments on borrowings under secured revolving credit facilities 0 (25)
Proceeds from issuance of stock under employee stock plans 175 169
Payments for employee taxes withheld upon vesting of restricted stock units (436) (430)
Cash paid for purchases of treasury stock (1,274) (1,135)
Dividends and dividend rights paid (596) (516)
Net change in funds receivable and funds payable and amounts due to customers (583) 2,921
Other (4) (2)
Net cash provided by (used in) financing activities (2,499) 833
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents (12) (4)
Net increase (decrease) in cash, cash equivalents, restricted cash, and restricted cash equivalents (1,757) 1,589
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 5,342 4,441
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 2,435 1,474
Restricted cash and restricted cash equivalents included in funds receivable and amounts held for customers 2,907 2,967
Total cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period 5,342 4,441
Supplemental schedule of non-cash investing activities:    
Transfers of loans originated or purchased as held for investment to held for sale $ 248 $ 0

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