Valero Energy (VLO)
Valero Energy on one page: short interest, daily short volume, fails to deliver, planned sales, large holders, 13F holders, financials, earnings dates and insider trades. Listed on NYSE, classified by the SEC as petroleum refining.
9.0M
Short interest
settlement 2026-09-30
1.9
Days to cover
-1.1 days vs prior
68.5%
Short share of volume
2026-10-09
100
Fails to deliver
settlement 2026-09-08
Thu 22 Oct
Next earnings
estimated date
$0
Insider flow, 90 days
0 buys, 0 sells
As of 2026-10-09.
Short interest
FINRA, twice a month. The newest 24 settlements in the table, 48 in the chart. JSONAs of 30 September 2026, short interest in VLO is 8,999,474 shares, down 896,823 shares over the last month. Over the last 48 readings it ranged from 8,488,570 shares (15 May 2026) to 15,695,956 shares (31 March 2025). The latest reading sits at the bottom of that range. At the reported average volume of 4.6M shares a day that is 1.9 days to cover.
Embed this chart.The embed keeps its attribution line.
<iframe src="https://xoomar.com/embed/stocks/vlo" width="100%" height="440" style="border:0;max-width:100%" loading="lazy" title="XOOMAR chart"></iframe>
| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-09-30 | 8,999,474 | -7.2% | 4,619,975 | 1.95 |
| 2026-09-15 | 9,700,070 | -2.0% | 3,159,329 | 3.07 |
| 2026-08-31 | 9,896,297 | +2.6% | 2,152,267 | 4.60 |
| 2026-08-14 | 9,649,639 | +6.0% | 2,893,408 | 3.34 |
| 2026-07-31 | 9,101,692 | -17.1% | 2,549,280 | 3.57 |
| 2026-07-15 | 10,973,199 | +5.7% | 2,790,570 | 3.93 |
| 2026-06-30 | 10,378,936 | -6.3% | 3,925,174 | 2.64 |
| 2026-06-15 | 11,075,304 | +19.6% | 2,759,702 | 4.01 |
| 2026-05-29 | 9,261,359 | +9.1% | 3,095,147 | 2.99 |
| 2026-05-15 | 8,488,570 | -2.6% | 3,075,146 | 2.76 |
| 2026-04-30 | 8,715,468 | -1.5% | 3,023,127 | 2.88 |
| 2026-04-15 | 8,844,189 | -14.7% | 3,283,583 | 2.69 |
| 2026-03-31 | 10,371,072 | -25.9% | 5,108,175 | 2.03 |
| 2026-03-13 | 13,987,365 | +4.2% | 4,885,677 | 2.86 |
| 2026-02-27 | 13,423,416 | +14.5% | 2,214,917 | 6.06 |
| 2026-02-13 | 11,723,504 | -1.9% | 3,028,090 | 3.87 |
| 2026-01-30 | 11,955,413 | -10.2% | 3,233,120 | 3.70 |
| 2026-01-15 | 13,318,502 | -4.4% | 4,793,243 | 2.78 |
| 2025-12-31 | 13,929,097 | +12.7% | 2,901,109 | 4.80 |
| 2025-12-15 | 12,363,562 | -3.8% | 2,804,904 | 4.41 |
| 2025-11-28 | 12,847,366 | +13.1% | 3,005,104 | 4.28 |
| 2025-11-14 | 11,359,471 | +0.3% | 2,246,139 | 5.06 |
| 2025-10-31 | 11,323,781 | -5.1% | 2,282,984 | 4.96 |
| 2025-10-15 | 11,929,583 | +7.3% | 2,340,988 | 5.10 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 9 October 2026, the short share of VLO volume is 68.5%, up 13.0 points over the last five sessions. Over the last 30 readings it ranged from 46.0% (30 September 2026) to 73.0% (14 September 2026). The latest reading is 5.3 points above the 30-session average of 63.2%, on 1.5M shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-09 | 1.0M | 1.5M | 68.5% | 7,669 |
| 2026-10-08 | 784K | 1.3M | 62.3% | 3,131 |
| 2026-10-07 | 487K | 798K | 61.0% | 5,055 |
| 2026-10-06 | 557K | 841K | 66.2% | 319 |
| 2026-10-05 | 700K | 1.1M | 64.0% | 6,522 |
| 2026-10-02 | 708K | 1.3M | 55.5% | 1,980 |
| 2026-10-01 | 531K | 1.0M | 50.7% | 589 |
| 2026-09-30 | 409K | 891K | 46.0% | 1,282 |
| 2026-09-29 | 508K | 942K | 53.9% | 1,295 |
| 2026-09-28 | 773K | 1.3M | 58.3% | 1,842 |
| 2026-09-25 | 726K | 1.4M | 52.5% | 3,584 |
| 2026-09-24 | 837K | 1.6M | 51.5% | 3,670 |
| 2026-09-23 | 2.2M | 3.3M | 67.7% | 2,655 |
| 2026-09-22 | 1.9M | 3.3M | 57.6% | 4,391 |
| 2026-09-21 | 913K | 1.6M | 58.1% | 1,146 |
| 2026-09-18 | 822K | 1.2M | 68.7% | 3 |
| 2026-09-17 | 839K | 1.2M | 67.2% | 776 |
| 2026-09-16 | 926K | 1.3M | 71.7% | 268 |
| 2026-09-15 | 1.0M | 1.4M | 72.2% | 949 |
| 2026-09-14 | 1.5M | 2.0M | 73.0% | 17,084 |
| 2026-09-11 | 882K | 1.3M | 70.6% | 997 |
| 2026-09-10 | 831K | 1.2M | 66.5% | 2,361 |
| 2026-09-09 | 712K | 1.1M | 64.5% | 1,167 |
| 2026-09-08 | 766K | 1.1M | 67.0% | 818 |
| 2026-09-04 | 546K | 873K | 62.5% | 661 |
| 2026-09-03 | 771K | 1.1M | 69.7% | 4,067 |
| 2026-09-02 | 788K | 1.2M | 68.1% | 14,114 |
| 2026-09-01 | 674K | 1.1M | 61.3% | 1,099 |
| 2026-08-31 | 635K | 915K | 69.4% | 4 |
| 2026-08-28 | 513K | 724K | 70.8% | 430 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 8 September 2026, the fails-to-deliver balance in VLO is 100 shares, down 14,702 shares over the last settlement date. Over the last 30 readings it ranged from 2 shares (14 May 2026) to 52,140 shares (6 July 2026). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-09-08 | 100 | $370.72 | $37K |
| 2026-09-04 | 14,802 | $370.69 | $5.5M |
| 2026-08-31 | 13 | $352.36 | $5K |
| 2026-08-24 | 100 | $348.86 | $35K |
| 2026-08-17 | 393 | $341.67 | $134K |
| 2026-08-14 | 954 | $342.92 | $327K |
| 2026-08-07 | 734 | $302.99 | $222K |
| 2026-08-06 | 1,410 | $302.39 | $426K |
| 2026-08-05 | 698 | $308.73 | $215K |
| 2026-08-03 | 20 | $312.90 | $6K |
| 2026-07-31 | 903 | $311.71 | $281K |
| 2026-07-30 | 152 | $301.32 | $46K |
| 2026-07-27 | 100 | $302.50 | $30K |
| 2026-07-20 | 13,356 | $309.65 | $4.1M |
| 2026-07-09 | 50 | $282.88 | $14K |
| 2026-07-08 | 2 | $266.22 | $532 |
| 2026-07-06 | 52,140 | $267.76 | $14.0M |
| 2026-06-15 | 39 | $258.67 | $10K |
| 2026-05-28 | 3 | $240.34 | $721 |
| 2026-05-26 | 411 | $246.96 | $102K |
| 2026-05-21 | 4,843 | $253.77 | $1.2M |
| 2026-05-15 | 382 | $244.77 | $94K |
| 2026-05-14 | 2 | $244.10 | $488 |
| 2026-05-04 | 2,000 | $246.87 | $494K |
| 2026-05-01 | 3 | $252.58 | $758 |
| 2026-04-15 | 3 | $235.58 | $707 |
| 2026-04-14 | 14,675 | $242.08 | $3.6M |
| 2026-04-13 | 38,454 | $238.82 | $9.2M |
| 2026-04-10 | 3,202 | $235.10 | $753K |
| 2026-04-09 | 6,545 | $239.64 | $1.6M |
Insider trades
SEC Form 4, newest first, 50 of 100 shown. JSONNo open-market insider trades were reported for VLO in the last 90 days. The most recent filings are listed below. Latest filing: Reymond Robert L (Director) on 2026-09-18.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-09-18 | Reymond Robert L | Director | Option exercise | 924 | $0.00 | $0 | 1K |
| 2026-09-16 | Simmons Gary K. | EVP & COO | Gift | 4K | $0.00 | $0 | 230K |
| 2026-08-21 | Walsh Richard Joe | EVP & GC | Gift | 3K | $0.00 | $0 | 97K |
| 2026-06-29 | Fisher Eric A | SVP | Sell | 8K | $268.17 | $2.0M | 20K |
| 2026-06-18 | Fisher Eric A | SVP | Sell | 8K | $236.90 | $1.8M | 27K |
| 2026-05-18 | Fisher Eric A | SVP | Sell | 8K | $251.61 | $1.9M | 35K |
| 2026-05-06 | WEISENBURGER RANDALL J | Director | Disposition | 304 | $239.26 | $73K | 113K |
| 2026-05-06 | WEISENBURGER RANDALL J | Director | Option exercise | 1K | price not stated in the filing | not stated | 113K |
| 2026-05-06 | Majoras Deborah P | Director | Disposition | 511 | $239.26 | $122K | 30K |
| 2026-05-06 | Majoras Deborah P | Director | Option exercise | 1K | price not stated in the filing | not stated | 31K |
| 2026-05-06 | Mullins Eric D. | Director | Option exercise | 1K | price not stated in the filing | not stated | 12K |
| 2026-05-06 | Diaz Fred M | Director | Disposition | 511 | $239.26 | $122K | 5K |
| 2026-05-06 | Diaz Fred M | Director | Option exercise | 1K | price not stated in the filing | not stated | 5K |
| 2026-05-06 | EBERHART PAULETT | Director | Disposition | 511 | $239.26 | $122K | 16K |
| 2026-05-06 | EBERHART PAULETT | Director | Option exercise | 1K | price not stated in the filing | not stated | 16K |
| 2026-05-06 | Greene Kimberly S, | Director | Disposition | 511 | $239.26 | $122K | 15K |
| 2026-05-06 | Greene Kimberly S, | Director | Option exercise | 1K | price not stated in the filing | not stated | 16K |
| 2026-05-06 | Ffolkes Marie A | Director | Disposition | 511 | $239.26 | $122K | 3K |
| 2026-05-06 | Ffolkes Marie A | Director | Option exercise | 1K | price not stated in the filing | not stated | 3K |
| 2026-05-06 | WILKINS RAYFORD JR | Director | Option exercise | 1K | price not stated in the filing | not stated | 43K |
| 2026-05-06 | WILKINS RAYFORD JR | Director | Disposition | 304 | $239.26 | $73K | 43K |
| 2026-03-12 | Fisher Eric A | SVP | Sell | 200 | $238.47 | $48K | 0 |
| 2026-03-12 | Fisher Eric A | SVP | Sell | 200 | $238.73 | $48K | 0 |
| 2026-03-11 | Fisher Eric A | SVP | Sell | 8K | $227.69 | $1.9M | 42K |
| 2026-02-26 | Bhullar Harminder S. | SVP & CFO | Tax withholding | 529 | $201.44 | $107K | 29K |
| 2026-02-26 | Bhullar Harminder S. | SVP & CFO | Tax withholding | 480 | $201.44 | $97K | 29K |
| 2026-02-25 | Walsh Richard Joe | EVP & GC | Tax withholding | 3K | $198.03 | $686K | 100K |
| 2026-02-25 | Walsh Richard Joe | EVP & GC | Grant | 9K | $0.00 | $0 | 104K |
| 2026-02-25 | Simmons Gary K. | EVP & COO | Tax withholding | 5K | $198.03 | $1.0M | 234K |
| 2026-02-25 | Simmons Gary K. | EVP & COO | Grant | 13K | $0.00 | $0 | 240K |
| 2026-02-25 | Riggs R. Lane | CEO & President | Tax withholding | 15K | $198.03 | $2.9M | 389K |
| 2026-02-25 | Riggs R. Lane | CEO & President | Grant | 38K | $0.00 | $0 | 404K |
| 2026-02-25 | Fisher Eric A | SVP | Tax withholding | 2K | $198.03 | $467K | 51K |
| 2026-02-25 | Fisher Eric A | SVP | Grant | 6K | $0.00 | $0 | 53K |
| 2026-02-25 | Bhullar Harminder S. | SVP & CFO | Grant | 7K | $0.00 | $0 | 30K |
| 2026-02-23 | Bhullar Harminder S. | SVP & CFO | Tax withholding | 416 | $199.98 | $83K | 23K |
| 2026-02-22 | Bhullar Harminder S. | SVP & CFO | Tax withholding | 423 | $199.89 | $85K | 23K |
| 2026-02-05 | Simmons Gary K. | EVP & COO | Gift | 768 | $0.00 | $0 | 226K |
| 2026-01-21 | Walsh Richard Joe | EVP & GC | Disposition | 5K | $190.33 | $858K | 95K |
| 2026-01-21 | Walsh Richard Joe | EVP & GC | Tax withholding | 6K | $190.33 | $1.1M | 99K |
| 2026-01-21 | Walsh Richard Joe | EVP & GC | Option exercise | 5K | $0.00 | $0 | 105K |
| 2026-01-21 | Walsh Richard Joe | EVP & GC | Option exercise | 5K | $0.00 | $0 | 100K |
| 2026-01-21 | Walsh Richard Joe | EVP & GC | Option exercise | 4K | $0.00 | $0 | 95K |
| 2026-01-21 | Simmons Gary K. | EVP & COO | Disposition | 8K | $190.33 | $1.6M | 227K |
| 2026-01-21 | Simmons Gary K. | EVP & COO | Tax withholding | 11K | $190.33 | $2.1M | 235K |
| 2026-01-21 | Simmons Gary K. | EVP & COO | Option exercise | 9K | $0.00 | $0 | 246K |
| 2026-01-21 | Simmons Gary K. | EVP & COO | Option exercise | 10K | $0.00 | $0 | 237K |
| 2026-01-21 | Simmons Gary K. | EVP & COO | Option exercise | 2K | $0.00 | $0 | 227K |
| 2026-01-21 | Simmons Gary K. | EVP & COO | Option exercise | 6K | $0.00 | $0 | 224K |
| 2026-01-21 | Riggs R. Lane | CEO & President | Disposition | 22K | $190.33 | $4.2M | 366K |
Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are rarer.
Planned sales (Form 144)
Newest first. JSON7 Form 144 notices on file for VLO worth $9.4M at the prices reported; 0 in the last 90 days worth $0. Latest: Fisher Eric A filed on 2026-06-29 to sell 7,500 shares ($2.0M) from 2026-06-29.
| Filed | Seller | Shares | Market value | Of outstanding | Sale from | Broker |
|---|---|---|---|---|---|---|
| 2026-06-29 | Fisher Eric AOfficer | 8K | $2.0M | 0.003% | 2026-06-29 | Pershing Advisor Solutions |
| 2026-06-17 | Fisher Eric ADirector | 8K | $1.8M | 0.003% | 2026-06-17 | Pershing Advisor Solutions |
| 2026-05-18 | Fisher Eric AOfficer | 8K | $1.9M | 0.003% | 2026-05-18 | Pershing Advisor Solutions |
| 2026-03-12 | Fisher Eric AOfficer | 200 | $47K | 0.000% | 2026-03-12 | Pershing Advisor Solutions |
| 2026-03-12 | Fisher Eric AOfficer | 200 | $47K | 0.000% | 2026-03-12 | Pershing Advisor Solutions |
| 2026-03-11 | Eric FisherOfficer | 8K | $1.9M | 0.003% | 2026-03-11 | Merrill Lynch |
| 2025-11-21 | Jason Fraserofficer | 10K | $1.7M | 0.003% | 2025-11-21 | Merrill Lynch |
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSON2 holders report 5% or more of VLO in their latest filing, all on Schedule 13G (passive). The largest reported stake is Vanguard Capital Management at 7.6% of the class (22,677,340 shares), filed 2026-04-30 for an event on 2026-03-31.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-07-31 | 13G | Vanguard Portfolio Managementinvestment adviser | 14.9M | 5.0% | 2026-06-30 |
| 2026-04-30 | 13G | Vanguard Capital Managementinvestment adviser | 22.7M | 7.6% | 2026-03-31 |
| 2026-03-27 | 13G/Ano. 13 | The Vanguard Groupinvestment adviser | 0 | 0.0% | 2026-03-13 |
13F holders
Tracked managers holding VLO at their latest 13F. JSON8 of the 30 tracked managers held VLO at their latest 13F, $1.23B in total at quarter-end prices. AQR Capital Management is the largest at $526.2M (0.2% of its portfolio) as of 2026-06-30. Over the prior quarter 6 added shares and 2 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| AQR Capital Management | 2026-06-30 | 2.0M | $526.2M | 0.18% | +1.3M |
| Two Sigma Investments | 2026-06-30 | 1.3M | $334.3M | 0.24% | +592K |
| Millennium Management | 2026-06-30 | 804K | $209.5M | 0.08% | -546K |
| Bridgewater Associates | 2026-06-30 | 285K | $74.2M | 0.30% | +151K |
| Renaissance Technologies | 2026-06-30 | 131K | $34.1M | 0.05% | new |
| Citadel Advisors | 2026-06-30 | 128K | $33.4M | 0.00% | -101K |
| Fisher Asset Management | 2026-06-30 | 33K | $8.7M | 0.00% | +669 |
| D. E. Shaw & Co. | 2026-06-30 | 32K | $8.3M | 0.00% | new |
Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.
Financials
SEC XBRL, as filed. JSONIn FY 2025 it generated $5.83B of operating cash flow and spent $2.60B on buybacks and $1.41B on dividends. As of 2026-06-30, cash was $7.87B against $927.0M of debt.
- Cash
- $7.87B
- Debt
- $927.0M
- Equity
- $25.00B
- Total assets
- $64.66B
- Shares outstanding
- 287,927,461
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 FY 2026 | 2026-06-30 | n/a | $3.72B | n/a | 12.62 |
| Q1 FY 2026 | 2026-03-31 | n/a | $1.26B | n/a | 4.22 |
| Q4 FY 2025derived | 2025-12-31 | n/a | $1.13B | n/a | n/a |
| Q3 FY 2025 | 2025-09-30 | n/a | $1.09B | n/a | 3.53 |
| Q2 FY 2025 | 2025-06-30 | n/a | $714.0M | n/a | 2.28 |
| Q1 FY 2025 | 2025-03-31 | n/a | -$595.0M | n/a | -1.90 |
| Q4 FY 2024derived | 2024-12-31 | n/a | $281.0M | n/a | n/a |
| Q3 FY 2024 | 2024-09-30 | n/a | $364.0M | n/a | 1.14 |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | n/a | $2.35B | $5.83B | n/a | $2.60B | $1.41B |
| FY 2024 | 2024-12-31 | n/a | $2.77B | $6.68B | $2.06B | $2.88B | $1.38B |
| FY 2023 | 2023-12-31 | n/a | $8.84B | $9.23B | $1.92B | $5.14B | $1.45B |
| FY 2022 | 2022-12-31 | n/a | $11.53B | $12.57B | $2.74B | $4.58B | $1.56B |
| FY 2021 | 2021-12-31 | n/a | $930.0M | $5.86B | $2.46B | $27.0M | $1.60B |
Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-24 from the cover page.
What this page is
Valero Energy in the regulatory record
Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.
Each section has its own history table, a one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Valero Energy (VLO), SEC CIK 1035002, listed on NYSE, classified by the SEC as petroleum refining. The cross-market tables live on the short interest and insider transactions hubs.
Source and updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-09-30.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-09.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-09-08.JSON and CSV
- Planned sales
- SEC EDGAR Form 144Source: SEC.New notices appear shortly after the SEC posts them; a notice is filed on or before the sale. Latest 2026-06-29.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-07-31.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-07-30.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-09-18.JSON and CSV
- Company record
- EDGAR filing index for CIK 1035002Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
How to read it
- Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
- Insider buys next to a large short position are rare and stand out; insider sells next to one are common and mean little.
- Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.
Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.
Other companies the SEC classifies as petroleum refining
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Datasets
Frequently Asked Questions
How much of VLO is sold short?
What is VLO's daily short volume?
Does VLO have fails to deliver?
Are VLO insiders buying or selling?
Have VLO insiders filed to sell?
Who owns 5% or more of VLO?
What did VLO report last quarter?
Which tracked 13F managers own VLO?
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.