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
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)
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)
Effect of exchange rates on cash, cash equivalents, restricted cash, and restricted cash equivalents	(4)	(1)
Net increase (decrease) in cash, cash equivalents, restricted cash, and restricted cash equivalents	1,589	(1,448)
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