The behaviour of to_number depends on database or even session settings, so in order to be sure to convert it the way you need, you need to supply the numeric characters, like this:
select to_number('840.11', '999.99', ' NLS_NUMERIC_CHARACTERS = ''. ''') from dual
Now if you have a higher number of digits before the dot, you can simply enlarge the format mask, like this:
select to_number('234234840.11', '99999999999999.99', ' NLS_NUMERIC_CHARACTERS = ''. ''')
from dual
There is no direct way to specify a dynamic amount of digits before the dot, but there is some kind of workaround described here:
Dynamic length on number format in to_number Oracle SQL