UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 1-2328 GATX Corporation (Exact name of registrant as specified in its charter) (State or Other Jurisdiction of incorporation or Organization) (I.R.S. Employer Identification No.) Ind ...

GATX (NYSE:GATX) Q4 2025 Earnings call February 19, 2026 11:00 AM ET Company ParticipantsAndrzej Tomczyk - VPBob Lyons - President and CEOHarrison Bauer - Equity Research AssociatePaul Titterton - EVP and President of Rail North AmericaShari Hellerman - Head of Investor RelationsTom Ellman - EVP and CFOConference Call ParticipantsBen Moore - Director and Equity Research AnalystBrendan McCarthy - Equity AnalystJustin Bergner - Manager and Research AnalystOperatorThank you for standing by. My name is Jordan, ...

GATX (NYSE:GATX) Q4 2025 Earnings call February 19, 2026 11:00 AM ET Company ParticipantsAndrzej Tomczyk - VPBob Lyons - President and CEOHarrison Bauer - Equity Research AssociatePaul Titterton - EVP and President of Rail North AmericaShari Hellerman - Head of Investor RelationsTom Ellman - EVP and CFOConference Call ParticipantsBen Moore - Director and Equity Research AnalystBrendan McCarthy - Equity AnalystJustin Bergner - Manager and Research AnalystOperatorThank you for standing by. My name is Jordan, ...

GATX (NYSE:GATX) Q4 2025 Earnings call February 19, 2026 11:00 AM ET Speaker6Thank you for standing by. My name is Jordan, and I'll be your conference operator today. At this time, I'd like to welcome everyone to the GATX 2025 fourth quarter earnings call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. If you would like to ask a question during this time, simply press star followed by the number 1 on your telephon ...

FOR IMMEDIATE RELEASE GATX CORPORATION REPORTS 2025 FOURTH-QUARTER AND FULL-YEAR RESULTS; BOARD OF DIRECTORS INCREASES QUARTERLY DIVIDEND 8.2%; BOARD OF DIRECTORS AUTHORIZES NEW $300 MILLION SHARE REPURCHASE PROGRAM Exhibit 99.1 NEWS RELEASE CHICAGO, Feb. 19, 2026—GATX Corporation (NYSE: GATX) ("GATX" or the "Company") today reported 2025 fourth-quarter net income of $97.0 million or $2.66 per diluted share, compared to net income of $76.5 million or $2.10 per diluted share in the fourth quarter of 2024. Th ...

Company Overview - GATX Corporation is a leading global railcar leasing company with a diversified fleet and a portfolio of transportation assets, focusing on reliable leasing solutions and ancillary services [5][8] - The company generates revenue primarily through long-term leasing contracts and asset management for third parties, serving sectors such as petroleum, chemical, food/agriculture, and transportation [8] Financial Performance - GATX reported a revenue of $1.70 billion and a net income of $312.80 million for the trailing twelve months (TTM) [4] - The company has a dividend yield of 1.30% and as of February 4, 2026, shares were priced at $186.63, reflecting a 14.9% increase over the past year, outperforming the S&P 500's approximately 14% gain [3][4] Recent Transactions - GAMCO Investors, Inc. sold 28,902 shares of GATX in the fourth quarter for an estimated $4.76 million, leading to a decline in the fund's quarter-end position value in GATX by $11.28 million [2][3] - GATX now comprises 1.95% of GAMCO's 13F reportable assets under management (AUM) [3] Operational Insights - GATX has demonstrated strong operational efficiency, with Rail North America achieving nearly 99% utilization and renewal lease rates increasing by over 22%, enhancing cash flow visibility [9] - The company generated $6.46 in diluted EPS through the first nine months of 2025 and reaffirmed full-year guidance of $8.50 to $8.90, indicating durable earnings even in a challenging macro environment [10] Portfolio Management - The recent sale of shares by GAMCO is viewed as a portfolio rebalancing rather than a loss of conviction, as GATX remains one of the largest holdings at approximately 2% of reported assets [11]

Core Message - Ingredion Incorporated has launched its first custom-designed railcar wrap to support the American Heart Association and promote heart health [1][2]. Group 1: Company Initiatives - As part of its long-term sponsorship of the American Heart Association's Heart of Chicago campaign, Ingredion introduced a custom-wrapped GATX railcar featuring the "Move More!" message to encourage physical activity among Americans [2][3]. - The railcar serves as a mobile message promoting the importance of regular physical activity, which is one of the American Heart Association's Life's Essential 8 measures for improving cardiovascular health [2][3]. Group 2: Partnerships and Community Engagement - Kimberly Bors, volunteer chair of the American Heart Association Board of Directors in Chicago, emphasized that support from Ingredion and GATX helps share important health messages and advance the Association's mission [3]. - Paul F. Titterton, executive vice president of GATX Rail North America, highlighted the value of collaboration and community engagement in championing causes that make a difference [3]. - Eric Seip, senior vice president of Ingredion, expressed pride in sponsoring the Heart of Chicago Campaign and emphasized the company's commitment to heart health and community well-being [3]. Group 3: Company Background - Ingredion Incorporated, headquartered in the suburbs of Chicago, serves customers in over 120 countries and reported annual net sales of approximately $7.4 billion in 2024 [4]. - The company specializes in turning grains, fruits, vegetables, and other plant-based materials into value-added ingredient solutions for various markets, including food and beverage [4].

Core Viewpoint - GATX Corp. and Brookfield Infrastructure Partners have received regulatory approvals to acquire Wells Fargo's rail operating lease portfolio, with the transaction expected to close around January 1 [1]. Group 1: Transaction Details - The joint venture will purchase approximately 105,000 railcars for $4.4 billion, with Brookfield acquiring about 23,000 cars and 400 locomotives from Wells Fargo [2]. - GATX will hold a 30% stake in the joint venture and will manage the equipment involved in the transactions, with an option to acquire full ownership in the future [2].

Company Overview - GATX has been in business for 127 years, primarily as a railcar leasing company based in Chicago [1] - The company has a significant presence in North America, with plans to become the largest railcar leasing company following the acquisition of Wells Fargo Rail [1] Fleet and Operations - GATX operates a large fleet in Europe, consisting of approximately 35,000 railcars, and around 12,000 railcars in India [2] - The company also has a substantial aircraft engine leasing business, which originated from its historical involvement in aircraft leasing [2] - GATX maintains a joint venture with Rolls-Royce for engine leasing, which remains a crucial part of its operations today [2]

Group 1 - The meeting is chaired by Robert Wolf due to the absence of Kelly Marshall, following a Supreme Court order [1] - The meeting is conducted virtually to ensure equal participation from registered shareholders and other stakeholders regardless of their location [2] - Participants can submit questions during the meeting, which will be addressed in the question period, with a reminder that only eligible holders can participate [3]