UPST - Options Database

UPST

UPSTART HLDGS INC

$35.43 +1.14%

$35.37 (-0.17%)🌙

as of 06/30 07:00 PM

(6/29 19:07) ◀

Tuesday, June 30, 2026 (7:00pm)

▶ (7/1 19:07)

◀ 6/30 19:00 ▶

Option Volume

Detail

ℹ

Current (06/30) 26,299

Calls: 18,524 (70%)

Puts: 7,775 (30%)

Prior (06/29) 32,639

Calls: 27,261 (84%)

Puts: 5,378 (16%)

Current vs Prior -19.42%

Calls: -32.05% (Calls)

Puts: +44.57% (Puts)

Prior 7-Day Total 143,891

Calls: 110,990 (77%)

Puts: 32,901 (23%)

Prior 7-Day Average 20,555

Calls: 15,855 (77%)

Puts: 4,700 (23%)

Current vs Prior 7-Day Avg +27.94%

Calls: +16.83%

Puts: +65.42%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (06/30) $6.39M

Calls: $5.24M (82%)

Puts: $1.15M (18%)

Prior (06/29) $6.53M

Calls: $5.90M (90%)

Puts: $625.3K (10%)

Current vs Prior -2.15%

Calls: -11.29%

Puts: +84.18%

Prior 7-Day Total $26.70M

Calls: $21.51M (81%)

Puts: $5.20M (19%)

Prior 7-Day Average $3.81M

Calls: $3.07M (81%)

Puts: $742.1K (19%)

Current vs Prior 7-Day Avg +67.50%

Calls: +70.48%

Puts: +55.17%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (06/30) 0.42

Prior (06/29) 0.20

Current vs Prior +112.76%

Prior 7-Day Average 0.33

Current vs Prior 7-Day Avg +28.23%

Sentiment BULLISH

Open Interest

Detail

ℹ

Current (06/30) 170,991

Calls: 113,336 (66%)

Puts: 57,655 (34%)

Prior (06/29) 174,454

Calls: 115,331 (66%)

Puts: 59,123 (34%)

Current vs Prior -1.99%

Prior 7-Day Total 1,165,618

Calls: 776,420 (67%)

Puts: 389,198 (33%)

Prior 7-Day Average 166,516

Calls: 110,917 (67%)

Puts: 55,599 (33%)

Current vs Prior 7-Day Avg +2.69%

Sentiment BEARISH

Expected Move

Detail

ℹ

3DTEWKMO Expiry (07/10) | Next (07/17)Expiry (07/10) | Next (07/17)Expiry (07/17) | Next (08/21)

Current 10.41% | 13.75%10.41% | 13.75%13.75% | 26.33%

Prior 7.51% | 11.88%-- | ---- | --

Current vs Prior -22.18% | -12.30%-- | ---- | --

Prior 7-Day Avg 7.39% | 11.21%-- | ---- | --

Current vs 7-Day Avg -20.97% | -7.10%-- | ---- | --

Prior 7-Day Eod 7.51% | 11.88%-- | ---- | --

Current vs 7-Day Eod -22.18% | -12.30%-- | ---- | --

Sentiment BULLISH----

Relative Spread

Detail

ℹ

Expiry | Next

Current 10.96% | 11.49%

Calls: 11.11% | 8.19%

Puts: 10.80% | 14.79%

Prior 10.96% | 11.49%

Calls: 11.11% | 8.19%

Puts: 10.80% | 14.79%

Current vs Prior +0.00% | +0.00%

Prior 7-Day Avg 23.97% | 21.63%

Calls: 22.78% | 20.73%

Puts: 25.17% | 22.53%

Current vs 7-Day Avg -54.28% | -46.89%

Liquidity Expensive

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🤖 AI Insights

Strong bullish conviction with 82% of dollar volume in calls ($5.24M) vs puts ($1.15M). Dollar volume significantly above 7-day average (68% higher). Extreme bullish P/C ratio of 0.42 - heavy call buying (18,524 calls vs 7,775 puts). P/C ratio rising 113% - increased hedging/bearish positioning.

Smart Money BULLISH

Retail Flow BULLISH

Overall BULLISH

Dollar Volume

Option Volume

Put/Call Ratio

Open Interest

Expected Move

Current BULLISH

Prior BULLISH

7-Day Avg BULLISH

Current BULLISH

Prior BULLISH

7-Day Avg NEUTRAL

Current BULLISH

Prior BULLISH

7-Day Avg NEUTRAL

Current BULLISH

Prior BULLISH

7-Day Avg NEUTRAL

Current BEARISH

Prior BULLISH

7-Day Avg BULLISH

📈 Options Analysis

🎯 Tightest Spreads

💰 Best Value Under $1

📊 High Delta (ITM)

🔥 High Volume

⏰ Backwardation

📈 Debit Spreads

📉 Credit Spreads

📅 Calendar Spreads

⚡ Straddles

🔀 Strangles

🦅 Iron Condors

🦋 Butterflies

⚖️ Ratio Spreads

🛡️ Covered Calls

🎯

Tightest Spreads

💰

Best Value <$1

📊

High Delta

⚖️

Ratio Spreads

🛡️

Covered Calls

Options with the tightest bid-ask spreads (<10%). Lower spreads = better fills and less slippage. Showing top 25 of results (avg 7.4%, best 4.3%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$36.00	Jul 10	1.45	1.54	$1.50	6.0%	225	0.48	290
$38.00	Jul 10	0.78	0.83	$0.81	6.2%	72	0.31	105
$36.00	Jul 17	2.01	2.14	$2.08	6.3%	711	0.51	211
$37.00	Jul 10	1.07	1.14	$1.11	6.3%	117	0.39	231
$37.50	Jul 10	0.92	0.98	$0.95	6.3%	55	0.35	294

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$37.50	Jul 17	3.40	3.55	$3.47	4.3%	10	0.60	1.6K
$34.00	Jul 10	1.03	1.08	$1.06	4.7%	496	0.34	135
$32.50	Jul 17	0.98	1.03	$1.00	5.0%	44	0.26	1.8K
$36.00	Jul 10	1.98	2.09	$2.04	5.4%	10	0.52	6
$34.50	Jul 10	1.23	1.30	$1.27	5.5%	9	0.38	32

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 13 found (avg $0.74, cheapest $0.37)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$37.00	Jul 2	0.33	0.40	$0.37	18.9%	893	0.27	719
$39.00	Jul 10	0.55	0.60	$0.57	8.8%	805	0.24	854
$38.50	Jul 10	0.61	0.71	$0.66	15.2%	34	0.27	247
$38.00	Jul 10	0.78	0.83	$0.81	6.2%	72	0.31	105
$40.00	Jul 17	0.79	0.86	$0.83	8.4%	1.5K	0.26	5.5K

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.50	Jul 10	0.56	0.60	$0.58	6.9%	18	0.22	74
$35.00	Jul 2	0.61	0.71	$0.66	15.2%	58	0.40	76
$33.00	Jul 10	0.69	0.74	$0.72	6.9%	305	0.26	458
$31.50	Jul 17	0.70	0.85	$0.77	19.5%	75	0.21	7
$33.50	Jul 10	0.74	0.90	$0.82	19.5%	7	0.29	9

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 68 found (avg delta 0.74, highest 1.00)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$29.00	Jul 2	6.00	7.90	$6.95	27.3%	6	0.99	--
$28.50	Jul 2	5.15	8.40	$6.78	47.9%	2	0.97	--
$30.00	Jul 2	4.90	6.20	$5.55	23.4%	46	0.97	234
$30.50	Jul 2	3.95	6.40	$5.18	47.3%	2	0.97	--
$29.50	Jul 2	4.85	7.40	$6.13	41.6%	3	0.94	--

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$42.00	Jul 2	4.75	7.70	$6.23	47.4%	2	1.00	--
$39.50	Jul 2	2.71	4.80	$3.76	55.6%	4	0.95	--
$39.00	Jul 2	2.95	4.60	$3.78	43.7%	45	0.93	46
$41.00	Jul 2	3.80	6.70	$5.25	55.2%	27	0.92	2
$38.50	Jul 2	1.71	4.30	$3.01	86.0%	4	0.90	--

Most actively traded options today. High liquidity = easy entry/exit. 182 active (total vol 16.0K, top 1.5K)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$40.00	Jul 17	0.79	0.86	$0.83	8.4%	1.5K	0.26	5.5K
$35.00	Jul 2	1.10	1.24	$1.17	12.0%	1.3K	0.60	2.0K
$37.00	Jul 2	0.33	0.40	$0.37	18.9%	893	0.27	719
$39.00	Jul 10	0.55	0.60	$0.57	8.8%	805	0.24	854
$36.00	Jul 17	2.01	2.14	$2.08	6.3%	711	0.51	211

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.00	Jul 17	0.72	0.91	$0.82	23.2%	636	0.23	59
$30.00	Jul 17	0.24	0.52	$0.38	73.7%	497	0.12	1.9K
$34.00	Jul 10	1.03	1.08	$1.06	4.7%	496	0.34	135
$34.50	Jul 2	0.43	0.54	$0.49	22.4%	350	0.32	459
$33.00	Jul 10	0.69	0.74	$0.72	6.9%	305	0.26	458

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 35 strikes (avg 30.4%, max 119.4%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$30.00	Jul 2	Jul 31	130.1%	79.8%	63.0%	47	430
$30.50	Jul 2	Jul 10	117.0%	72.4%	61.6%	3	--
$41.00	Jul 2	Aug 7	139.4%	86.7%	60.8%	3	--
$29.00	Jul 2	Jul 10	121.1%	85.5%	41.6%	19	4
$42.00	Jul 2	Aug 7	114.2%	88.3%	29.4%	3	--

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$28.50	Jul 2	Jul 17	165.6%	75.5%	119.4%	5	3
$30.00	Jul 2	Aug 7	130.1%	76.8%	69.5%	27	812
$31.00	Jul 2	Aug 7	141.1%	86.5%	63.2%	23	395
$30.50	Jul 2	Jul 17	117.0%	72.8%	60.7%	11	56
$31.50	Jul 2	Jul 17	114.0%	78.8%	44.6%	77	231

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 93 found (best R:R 8.09, avg 2.04)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$41.00	$42.00	Jul 2	$0.11	$0.89	$0.11	8.09	$41.11
$32.00	$33.00	Aug 7	$0.12	$0.88	$0.12	7.33	$32.12
$40.00	$41.00	Jul 17	$0.15	$0.85	$0.15	5.67	$40.15
$41.00	$42.50	Jul 17	$0.23	$1.27	$0.23	5.52	$41.23
$41.00	$42.00	Jul 24	$0.16	$0.84	$0.16	5.25	$41.16

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$32.00	$31.00	Aug 7	$0.13	$0.87	$0.13	6.69	$31.87
$31.00	$29.00	Jul 24	$0.33	$1.67	$0.33	5.06	$30.67
$33.00	$32.50	Jul 17	$0.10	$0.40	$0.10	4.00	$32.90
$31.00	$30.50	Jul 2	$0.11	$0.39	$0.11	3.55	$30.89
$34.00	$33.50	Jul 2	$0.11	$0.39	$0.11	3.55	$33.89

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 114 found (best R:R 6.69, avg 1.23)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$29.00	$30.00	Jul 10	$0.87	$0.87	$0.13	6.69	$29.87
$30.00	$32.00	Jul 24	$1.53	$1.53	$0.47	3.26	$31.53
$30.00	$32.00	Jul 31	$1.53	$1.53	$0.47	3.26	$31.53
$34.00	$34.50	Jul 2	$0.38	$0.38	$0.12	3.17	$34.38
$32.50	$33.00	Jul 17	$0.38	$0.38	$0.12	3.17	$32.88

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$42.50	$40.00	Jul 17	$2.17	$2.17	$0.33	6.58	$40.33
$32.00	$31.00	Jul 31	$0.83	$0.83	$0.17	4.88	$31.17
$36.00	$35.50	Jul 17	$0.39	$0.39	$0.11	3.55	$35.61
$38.50	$37.00	Jul 2	$1.11	$1.11	$0.39	2.85	$37.39
$40.00	$38.00	Jul 24	$1.45	$1.45	$0.55	2.64	$38.55

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 37 found (avg debit $0.52, cheapest $0.08)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$32.50	Jul 2	Jul 10	$0.08	92.9%	75.3%
$41.00	Jul 2	Jul 10	$0.08	139.4%	68.8%
$42.00	Jul 2	Jul 10	$0.13	114.2%	71.4%
$40.00	Jul 2	Jul 10	$0.35	104.1%	74.9%
$30.00	Jul 2	Jul 10	$0.43	130.1%	75.9%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$30.00	Jul 2	Jul 10	$0.11	130.1%	75.9%
$29.00	Jul 2	Jul 10	$0.14	121.1%	85.5%
$30.50	Jul 2	Jul 10	$0.15	117.0%	72.4%
$31.00	Jul 2	Jul 10	$0.15	141.1%	76.5%
$31.50	Jul 2	Jul 10	$0.22	114.0%	70.9%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 62 found (cheapest 5.14% of stock, avg 14.13%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$35.50	Jul 2	$0.92	$0.90	$1.82	$33.68	$37.32	5.14%
$35.00	Jul 2	$1.17	$0.66	$1.83	$33.17	$36.83	5.17%
$36.00	Jul 2	$0.71	$1.18	$1.89	$34.11	$37.89	5.33%
$34.50	Jul 2	$1.49	$0.49	$1.98	$32.52	$36.48	5.59%
$34.00	Jul 2	$1.87	$0.35	$2.22	$31.78	$36.22	6.27%
$37.00	Jul 2	$0.37	$1.90	$2.27	$34.73	$39.27	6.41%
$33.50	Jul 2	$2.39	$0.24	$2.63	$30.87	$36.13	7.42%
$33.00	Jul 2	$2.65	$0.16	$2.81	$30.19	$35.81	7.93%
$38.50	Jul 2	$0.13	$3.01	$3.14	$35.36	$41.64	8.86%
$35.50	Jul 10	$1.76	$1.68	$3.44	$32.06	$38.94	9.71%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 150 found (cheapest 1.21% of stock, avg 9.30%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$38.00	$33.50	Jul 2	$0.19	$0.24	$0.43	$33.07	$38.43
$37.50	$33.50	Jul 2	$0.27	$0.24	$0.51	$32.99	$38.01
$38.00	$34.00	Jul 2	$0.19	$0.35	$0.54	$33.46	$38.54
$37.00	$33.50	Jul 2	$0.37	$0.24	$0.61	$32.89	$37.61
$37.50	$34.00	Jul 2	$0.27	$0.35	$0.62	$33.38	$38.12
$38.00	$34.50	Jul 2	$0.19	$0.49	$0.68	$33.82	$38.68
$37.00	$34.00	Jul 2	$0.37	$0.35	$0.72	$33.28	$37.72
$37.50	$34.50	Jul 2	$0.27	$0.49	$0.76	$33.74	$38.26
$36.50	$33.50	Jul 2	$0.53	$0.24	$0.77	$32.73	$37.27
$38.00	$35.00	Jul 2	$0.19	$0.66	$0.85	$34.15	$38.85

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 86 found (best R:R 8.52, avg credit $0.67)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
30/31	33/35	Aug 7	$1.79	$0.21	8.52	$29.21	$34.79
32/32	33/34	Jul 10	$0.89	$0.11	8.09	$31.61	$33.89
34/35	36/37	Jul 24	$0.89	$0.11	8.09	$34.11	$36.89
32/32	33/34	Jul 10	$0.88	$0.12	7.33	$31.12	$33.88
33/34	36/37	Jul 24	$0.87	$0.13	6.69	$33.13	$36.87
30/31	33/34	Jul 10	$0.86	$0.14	6.14	$30.14	$33.86
30/31	41/42	Aug 7	$0.85	$0.15	5.67	$30.15	$41.85
34/35	38/39	Jul 24	$0.84	$0.16	5.25	$34.16	$38.84
32/33	34/35	Jul 24	$0.83	$0.17	4.88	$32.17	$34.83
33/34	38/39	Jul 24	$0.82	$0.18	4.56	$33.18	$38.82

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 51 found (best R:R 15.67, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$33.00	$34.00	$35.00	Jul 31	$0.06	$0.94	15.67
$35.00	$36.00	$37.00	Jul 24	$0.07	$0.93	13.29
$36.00	$37.00	$38.00	Jul 24	$0.07	$0.93	13.29
$38.00	$39.00	$40.00	Jul 24	$0.09	$0.91	10.11
$39.00	$40.00	$41.00	Jul 2	$0.10	$0.90	9.00

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$29.50	$30.00	$30.50	Jul 17	$0.05	$0.45	9.00
$36.00	$38.00	$40.00	Jul 24	$0.24	$1.76	7.33
$32.00	$33.00	$34.00	Jul 24	$0.13	$0.87	6.69
$34.50	$35.00	$35.50	Jul 2	$0.07	$0.43	6.14
$30.00	$30.50	$31.00	Jul 10	$0.08	$0.42	5.25

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 59 found (best net $-0.08, 56 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$41.00	$42.50	1:2	Jul 17	-$0.22	$1.28
$40.00	$41.00	1:2	Jul 2	-$0.21	$0.79
$40.00	$41.00	1:2	Jul 31	-$0.22	$0.78
$40.00	$41.00	1:2	Jul 17	-$0.53	$0.47
$39.00	$40.00	1:2	Jul 17	-$0.54	$0.46

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$39.00	$36.00	1:2	Jul 10	-$0.08	$2.92
$31.00	$29.00	1:2	Jul 24	-$0.26	$1.74
$38.00	$35.00	1:2	Aug 7	-$1.88	$1.12
$40.00	$37.50	1:2	Jul 17	-$1.71	$0.79
$38.50	$37.00	1:2	Jul 2	-$0.79	$0.71

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 52 found (best yield 10.16%, avg 3.35%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$36.00	Aug 7	$3.60	0.56	1.6%	10.16%	11.77%	10	45
$37.00	Aug 7	$2.82	0.51	4.4%	7.96%	12.39%	25	380
$40.00	Aug 7	$2.40	0.42	12.9%	6.77%	19.67%	11	55
$36.00	Jul 24	$2.38	0.51	1.6%	6.72%	8.33%	7	48
$35.50	Jul 17	$2.27	0.55	0.2%	6.41%	6.60%	12	--
$38.00	Aug 7	$2.27	0.47	7.2%	6.41%	13.66%	40	97
$37.00	Jul 31	$2.25	0.47	4.4%	6.35%	10.78%	34	21
$39.00	Aug 7	$2.03	0.44	10.1%	5.73%	15.81%	4	--
$36.00	Jul 17	$2.01	0.51	1.6%	5.67%	7.28%	711	211
$37.00	Jul 24	$1.95	0.46	4.4%	5.50%	9.94%	1	49

Current 5-Minute Volume Snapshots

Time (HH:MM)	Total Volume	Call Volume	Put Volume	Volume Change
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Prior's 5-Minute Volume Snapshots

Time (HH:MM)	Total Volume	Call Volume	Put Volume	Volume Change
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Current Put/Call Breakdown

Total Calls 18,524

Total Puts 7,775

Put/Call Ratio 0.42

Net Difference 10,749

Prior's Put/Call Breakdown

Total Calls 27,261

Total Puts 5,378

Put/Call Ratio 0.20

Net Difference 21,883

Prior 7-Day Put/Call Summary

Total Calls 110,990

Total Puts 32,901

Average Put/Call Ratio 0.33

Ratio Trend Rising

Daily Put/Call History (Last 7 Days)

Date	Calls	Puts	Ratio	Net Diff
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Upcoming Earnings - 2 Weeks Prior

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Upcoming Earnings - 1 Week Prior

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Earnings This Week

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Earnings - Day Before / Day After

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Options Activity Around Earnings

Ticker	Earnings Date	Days Away	Call Volume	Put Volume	IV Rank
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Option Volume

Dollar Volume

Put/Call Ratio

Open Interest

Expected Move

Relative Spread

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📈 Options Analysis

Current 5-Minute Volume Snapshots

Prior's 5-Minute Volume Snapshots

Current Put/Call Breakdown

Prior's Put/Call Breakdown

Prior 7-Day Put/Call Summary

Daily Put/Call History (Last 7 Days)

Upcoming Earnings - 2 Weeks Prior

Upcoming Earnings - 1 Week Prior

Earnings This Week

Earnings - Day Before / Day After

Options Activity Around Earnings

Chart Title

Price — Past 7 Days

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