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Consolidated Statements of Cash Flows - USD ($)
$ in Millions
 12 Months Ended
Jul. 31, 2024
Jul. 31, 2023
Jul. 31, 2022
Cash flows from operating activities:      
Net income $ 2,963 $ 2,384 $ 2,066
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation 159 160 187
Amortization of acquired intangible assets 630 646 559
Non-cash operating lease cost 81 90 83
Share-based compensation expense 1,940 1,712 1,308
Deferred income taxes (554) (628) 120
Other 92 81 2
Total adjustments 2,348 2,061 2,259
Originations and purchases of loans held for sale (96) 0 0
Sales and principal repayments of loans held for sale 98 0 0
Changes in operating assets and liabilities:      
Accounts receivable (52) 42 (31)
Income taxes receivable (48) 64 29
Prepaid expenses and other assets (30) (75) (121)
Accounts payable 133 (97) (95)
Accrued compensation and related liabilities 257 88 (357)
Deferred revenue (49) 111 71
Operating lease liabilities (71) (81) (83)
Income taxes payable (691) 690 6
Other liabilities 122 (141) 145
Total changes in operating assets and liabilities (429) 601 (436)
Net cash provided by operating activities 4,884 5,046 3,889
Cash flows from investing activities:      
Purchases of corporate and customer fund investments (780) (1,015) (830)
Sales of corporate and customer fund investments 526 240 1,524
Maturities of corporate and customer fund investments 676 449 234
Purchases of property and equipment (191) (210) (157)
Capitalization of internal use software (59) (50) (72)
Acquisitions of businesses, net of cash acquired (83) (33) (5,682)
Originations and purchases of loans held for investment (2,538) (1,983) (933)
Sales of loans originally classified as held for investment 234 0 0
Principal repayments of loans held for investment 2,068 1,727 519
Other (80) (47) (24)
Net cash used in investing activities (227) (922) (5,421)
Cash flows from financing activities:      
Proceeds from issuance of long-term debt, net of discount and issuance costs 3,956 0 4,700
Repayments of debt (4,200) (1,009) 0
Proceeds from borrowings under unsecured revolving credit facility 100 0 0
Repayments on borrowings under unsecured revolving credit facility (100) 0 0
Proceeds from borrowings under secured revolving credit facilities 180 222 182
Repayments on borrowings under secured revolving credit facilities (25) (23) 0
Proceeds from issuance of stock under employee stock plans 282 228 162
Payments for employee taxes withheld upon vesting of restricted stock units (1,002) (633) (611)
Cash paid for purchases of treasury stock (1,988) (1,967) (1,861)
Dividends and dividend rights paid (1,034) (889) (774)
Net change in funds receivable and funds payable and amounts due to customers 3,436 (197) (56)
Other (2) (1) (10)
Net cash provided by (used in) financing activities (397) (4,269) 1,732
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents (13) 0 (22)
Net increase (decrease) in cash, cash equivalents, restricted cash, and restricted cash equivalents 4,247 (145) 178
Cash, cash equivalents, restricted cash, and restricted cash equivalents at beginning of period 2,852 2,997 2,819
Cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period 7,099 2,852 2,997
Reconciliation of cash, cash equivalents, restricted cash, and restricted cash equivalents reported within the consolidated balance sheets to the total amounts reported on the consolidated statements of cash flows      
Cash and cash equivalents 3,609 2,848 2,796
Restricted cash and restricted cash equivalents included in funds receivable and amounts held for customers 3,490 4 201
Total cash, cash equivalents, restricted cash, and restricted cash equivalents at end of period 7,099 2,852 2,997
Supplemental disclosure of cash flow information:      
Interest paid 200 272 67
Income taxes paid 1,881 484 303
Supplemental schedule of non-cash investing activities:      
Issuance of common stock in business combinations 0 0 6,316
Transfers of loans originated or purchased as held for investment to held for sale $ 231 $ 0 $ 0

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