UPST - Options Database

UPST

UPSTART HLDGS INC

$35.74 +0.87%

$35.79 (+0.14%)🌙

as of 07/01 07:07 PM

(6/30 19:00) ◀

Wednesday, July 1, 2026 (7:07pm)

▶ (7/2 19:08)

◀ 7/1 19:07 ▶

Option Volume

Detail

ℹ

Current (07/01) 21,107

Calls: 15,079 (71%)

Puts: 6,028 (29%)

Prior (06/30) 26,299

Calls: 18,524 (70%)

Puts: 7,775 (30%)

Current vs Prior -19.74%

Calls: -18.60% (Calls)

Puts: -22.47% (Puts)

Prior 7-Day Total 146,172

Calls: 113,628 (78%)

Puts: 32,544 (22%)

Prior 7-Day Average 20,881

Calls: 16,232 (78%)

Puts: 4,649 (22%)

Current vs Prior 7-Day Avg +1.08%

Calls: -7.11%

Puts: +29.66%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/01) $3.56M

Calls: $2.93M (82%)

Puts: $636.1K (18%)

Prior (06/30) $6.39M

Calls: $5.24M (82%)

Puts: $1.15M (18%)

Current vs Prior -44.23%

Calls: -44.11%

Puts: -44.76%

Prior 7-Day Total $29.56M

Calls: $24.03M (81%)

Puts: $5.53M (19%)

Prior 7-Day Average $4.22M

Calls: $3.43M (81%)

Puts: $790.5K (19%)

Current vs Prior 7-Day Avg -15.62%

Calls: -14.72%

Puts: -19.53%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (07/01) 0.40

Prior (06/30) 0.42

Current vs Prior -4.76%

Prior 7-Day Average 0.31

Current vs Prior 7-Day Avg +27.27%

Sentiment BULLISH

Open Interest

Detail

ℹ

Current (07/01) 193,132

Calls: 132,912 (69%)

Puts: 60,220 (31%)

Prior (06/30) 170,991

Calls: 113,336 (66%)

Puts: 57,655 (34%)

Current vs Prior +12.95%

Prior 7-Day Total 1,116,325

Calls: 744,995 (67%)

Puts: 371,330 (33%)

Prior 7-Day Average 159,475

Calls: 106,427 (67%)

Puts: 53,047 (33%)

Current vs Prior 7-Day Avg +21.10%

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 9.74% | 12.90%9.74% | 12.90%12.90% | 25.55%

Prior 5.84% | 10.41%-- | ---- | --

Current vs Prior -25.29% | -6.51%-- | ---- | --

Prior 7-Day Avg 6.93% | 11.01%-- | ---- | --

Current vs 7-Day Avg -37.00% | -11.54%-- | ---- | --

Prior 7-Day Eod 5.84% | 10.41%-- | ---- | --

Current vs 7-Day Eod -25.29% | -6.51%-- | ---- | --

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 23.73% | 20.09%

Calls: 23.07% | 18.18%

Puts: 24.38% | 21.99%

Current vs 7-Day Avg -53.81% | -42.80%

Liquidity Expensive

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🤖 AI Insights

Strong bullish conviction with 82% of dollar volume in calls ($2.93M) vs puts ($636.1K). Extreme bullish P/C ratio of 0.40 - heavy call buying (15,079 calls vs 6,028 puts). Call-heavy open interest (132,912 calls vs 60,220 puts) suggests bullish 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 27 of results (avg 7.5%, best 3.4%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$36.00	Jul 17	1.99	2.09	$2.04	4.9%	884	0.52	504
$32.50	Jul 17	4.00	4.30	$4.15	7.2%	89	0.76	1.9K
$35.00	Jul 31	3.30	3.55	$3.43	7.3%	10	0.58	--
$37.00	Jul 24	1.98	2.13	$2.05	7.3%	19	0.47	50
$36.50	Jul 10	1.18	1.27	$1.23	7.3%	164	0.45	110

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 10	1.15	1.19	$1.17	3.4%	42	0.40	95
$35.50	Jul 10	1.38	1.44	$1.41	4.3%	439	0.45	1
$34.50	Jul 10	0.94	0.99	$0.97	5.2%	11	0.35	36
$37.50	Jul 17	3.05	3.25	$3.15	6.3%	5	0.59	--
$35.50	Jul 17	1.93	2.06	$2.00	6.5%	17	0.45	47

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 19 found (avg $0.66, cheapest $0.31)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$40.00	Jul 10	0.29	0.33	$0.31	12.9%	206	0.16	217
$39.50	Jul 10	0.36	0.41	$0.39	12.8%	285	0.19	148
$39.00	Jul 10	0.45	0.52	$0.49	14.3%	183	0.23	335
$38.00	Jul 10	0.68	0.76	$0.72	11.1%	131	0.31	126
$40.00	Jul 17	0.71	0.77	$0.74	8.1%	1.2K	0.25	5.6K

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.50	Jul 10	0.37	0.43	$0.40	15.0%	33	0.18	91
$31.00	Jul 17	0.46	0.51	$0.49	10.2%	1	0.16	--
$33.00	Jul 10	0.49	0.53	$0.51	7.8%	84	0.21	754
$31.50	Jul 17	0.52	0.61	$0.56	16.1%	7	0.18	62
$33.50	Jul 10	0.61	0.67	$0.64	9.4%	8	0.26	16

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 90 found (avg delta 0.72, highest 1.00)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$29.00	Jul 10	5.50	7.30	$6.40	28.1%	2	0.96	--
$29.00	Jul 2	5.30	8.15	$6.73	42.3%	3	0.96	37
$29.50	Jul 2	4.80	8.30	$6.55	53.4%	4	0.95	--
$31.00	Jul 2	3.65	6.10	$4.88	50.2%	2	0.95	--
$30.00	Jul 2	4.70	5.90	$5.30	22.6%	80	0.95	198

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$40.00	Jul 2	2.90	5.75	$4.33	65.8%	7	1.00	--
$41.50	Jul 2	3.70	6.90	$5.30	60.4%	8	1.00	27
$42.00	Jul 2	4.20	7.40	$5.80	55.2%	8	1.00	2
$39.50	Jul 2	1.72	4.90	$3.31	96.1%	4	0.95	--
$39.00	Jul 2	2.12	4.35	$3.24	68.8%	4	0.94	--

Most actively traded options today. High liquidity = easy entry/exit. 198 active (total vol 16.6K, top 1.5K)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$40.00	Jul 17	0.71	0.77	$0.74	8.1%	1.2K	0.25	5.6K
$36.00	Jul 17	1.99	2.09	$2.04	4.9%	884	0.52	504
$36.00	Jul 2	0.48	0.64	$0.56	28.6%	633	0.45	1.3K
$38.00	Jul 2	0.05	0.11	$0.08	75.0%	595	0.10	1.6K
$37.00	Jul 2	0.18	0.28	$0.23	43.5%	588	0.24	1.1K

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$29.00	Jul 10	0.05	0.10	$0.08	62.5%	1.5K	0.04	190
$32.00	Jul 2	0.01	0.19	$0.10	180.0%	1.0K	0.08	575
$35.50	Jul 10	1.38	1.44	$1.41	4.3%	439	0.45	1
$32.50	Jul 17	0.71	0.93	$0.82	26.8%	217	0.24	1.8K
$30.00	Jul 17	0.28	0.50	$0.39	56.4%	207	0.12	2.0K

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 40 strikes (avg 63.0%, max 214.3%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$29.00	Jul 2	Jul 10	250.5%	79.7%	214.3%	5	37
$30.50	Jul 2	Jul 10	212.5%	70.7%	200.6%	10	--
$30.00	Jul 2	Jul 17	222.3%	78.9%	181.6%	191	1.3K
$31.50	Jul 2	Jul 17	198.2%	72.6%	172.8%	11	108
$32.50	Jul 2	Jul 17	162.6%	72.7%	123.6%	111	2.1K

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$30.00	Jul 2	Aug 7	222.3%	81.1%	174.1%	20	794
$31.50	Jul 2	Jul 17	198.2%	72.6%	172.8%	8	62
$41.00	Jul 2	Aug 7	236.2%	92.9%	154.2%	11	28
$32.50	Jul 2	Jul 17	162.6%	72.7%	123.6%	233	1.9K
$32.00	Jul 2	Aug 7	158.8%	83.9%	89.4%	1.0K	577

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 106 found (best R:R 9.00, avg 1.94)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$41.00	$42.00	Jul 10	$0.10	$0.90	$0.10	9.00	$41.10
$40.00	$41.00	Jul 17	$0.12	$0.88	$0.12	7.33	$40.12
$41.00	$42.00	Jul 24	$0.14	$0.86	$0.14	6.14	$41.14
$34.00	$35.00	Aug 7	$0.17	$0.83	$0.17	4.88	$34.17
$41.00	$42.50	Jul 17	$0.26	$1.24	$0.26	4.77	$41.26

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$30.00	$29.00	Jul 31	$0.16	$0.84	$0.16	5.25	$29.84
$31.00	$29.00	Jul 24	$0.34	$1.66	$0.34	4.88	$30.66
$33.00	$32.00	Jul 24	$0.19	$0.81	$0.19	4.26	$32.81
$35.00	$34.00	Aug 7	$0.19	$0.81	$0.19	4.26	$34.81
$32.50	$32.00	Jul 10	$0.10	$0.40	$0.10	4.00	$32.40

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 120 found (best R:R 12.16, avg 1.19)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$35.00	$36.00	Aug 7	$0.90	$0.90	$0.10	9.00	$35.90
$32.00	$33.00	Aug 7	$0.87	$0.87	$0.13	6.69	$32.87
$29.00	$30.00	Jul 10	$0.85	$0.85	$0.15	5.67	$29.85
$33.50	$34.00	Jul 10	$0.36	$0.36	$0.14	2.57	$33.86
$34.00	$34.50	Jul 10	$0.36	$0.36	$0.14	2.57	$34.36

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$42.50	$40.00	Jul 17	$2.31	$2.31	$0.19	12.16	$40.19
$37.00	$36.50	Jul 2	$0.38	$0.38	$0.12	3.17	$36.62
$40.00	$38.00	Jul 17	$1.44	$1.44	$0.56	2.57	$38.56
$39.00	$38.00	Jul 2	$0.71	$0.71	$0.29	2.45	$38.29
$39.00	$38.00	Jul 24	$0.68	$0.68	$0.32	2.13	$38.32

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 44 found (avg debit $0.63, cheapest $0.09)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$33.50	Jul 2	Jul 10	$0.10	93.4%	70.4%
$42.00	Jul 2	Jul 10	$0.14	147.3%	72.3%
$42.50	Jul 10	Jul 17	$0.23	73.2%	71.4%
$30.00	Jul 2	Jul 10	$0.25	222.3%	75.6%
$40.00	Jul 2	Jul 10	$0.29	113.5%	68.3%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$31.00	Jul 2	Jul 10	$0.09	178.5%	69.9%
$31.50	Jul 2	Jul 10	$0.11	198.2%	74.6%
$32.00	Jul 2	Jul 10	$0.20	158.8%	70.1%
$32.50	Jul 2	Jul 10	$0.23	162.6%	70.9%
$30.50	Jul 10	Jul 17	$0.25	70.7%	72.4%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 84 found (cheapest 3.47% of stock, avg 14.31%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$37.50	Jul 2	$0.16	$1.08	$1.24	$36.26	$38.74	3.47%
$35.50	Jul 2	$0.78	$0.52	$1.30	$34.20	$36.80	3.64%
$36.00	Jul 2	$0.56	$0.78	$1.34	$34.66	$37.34	3.75%
$35.00	Jul 2	$1.09	$0.35	$1.44	$33.56	$36.44	4.03%
$36.50	Jul 2	$0.35	$1.11	$1.46	$35.04	$37.96	4.09%
$34.50	Jul 2	$1.51	$0.21	$1.72	$32.78	$36.22	4.81%
$37.00	Jul 2	$0.23	$1.49	$1.72	$35.28	$38.72	4.81%
$34.00	Jul 2	$2.07	$0.15	$2.22	$31.78	$36.22	6.21%
$38.00	Jul 2	$0.08	$2.53	$2.61	$35.39	$40.61	7.30%
$33.50	Jul 2	$2.94	$0.06	$3.00	$30.50	$36.50	8.39%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 150 found (cheapest 0.64% of stock, avg 9.01%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$38.00	$34.00	Jul 2	$0.08	$0.15	$0.23	$33.77	$38.23
$38.00	$32.50	Jul 2	$0.08	$0.17	$0.25	$32.25	$38.25
$38.00	$34.50	Jul 2	$0.08	$0.21	$0.29	$34.21	$38.29
$37.50	$34.00	Jul 2	$0.16	$0.15	$0.31	$33.69	$37.81
$37.50	$32.50	Jul 2	$0.16	$0.17	$0.33	$32.17	$37.83
$37.50	$34.50	Jul 2	$0.16	$0.21	$0.37	$34.13	$37.87
$37.00	$34.00	Jul 2	$0.23	$0.15	$0.38	$33.62	$37.38
$37.00	$32.50	Jul 2	$0.23	$0.17	$0.40	$32.10	$37.40
$38.00	$35.00	Jul 2	$0.08	$0.35	$0.43	$34.57	$38.43
$37.00	$34.50	Jul 2	$0.23	$0.21	$0.44	$34.06	$37.44

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 105 found (best R:R 9.00, avg credit $0.68)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
31/32	34/35	Jul 24	$0.90	$0.10	9.00	$31.10	$34.90
33/34	40/41	Jul 31	$0.89	$0.11	8.09	$33.11	$40.89
36/37	40/41	Jul 31	$0.89	$0.11	8.09	$36.11	$40.89
37/38	40/41	Jul 24	$0.87	$0.13	6.69	$37.13	$40.87
36/37	38/39	Jul 24	$0.85	$0.15	5.67	$36.15	$38.85
32/33	34/35	Jul 31	$0.85	$0.15	5.67	$32.15	$34.85
33/34	39/40	Jul 31	$0.85	$0.15	5.67	$33.15	$39.85
36/37	39/40	Jul 31	$0.85	$0.15	5.67	$36.15	$39.85
34/34	36/36	Jul 17	$0.83	$0.17	4.88	$33.67	$36.33
36/37	40/41	Jul 24	$0.83	$0.17	4.88	$36.17	$40.83

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 58 found (best R:R 19.00, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$33.00	$34.00	$35.00	Jul 31	$0.05	$0.95	19.00
$40.00	$41.00	$42.00	Jul 24	$0.08	$0.92	11.50
$38.00	$39.00	$40.00	Jul 31	$0.08	$0.92	11.50
$39.00	$40.00	$41.00	Aug 7	$0.09	$0.91	10.11
$37.00	$38.00	$39.00	Jul 24	$0.11	$0.89	8.09

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$36.00	$37.00	$38.00	Jul 31	$0.08	$0.92	11.50
$35.50	$36.00	$36.50	Jul 2	$0.07	$0.43	6.14
$30.50	$31.00	$31.50	Jul 10	$0.07	$0.43	6.14
$31.50	$32.00	$32.50	Jul 10	$0.07	$0.43	6.14
$31.00	$31.50	$32.00	Jul 17	$0.07	$0.43	6.14

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 52 found (best net $-0.03, 51 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$40.00	$41.50	1:2	Jul 2	-$0.02	$1.48
$41.00	$42.50	1:2	Jul 17	-$0.10	$1.40
$41.00	$42.00	1:2	Jul 10	-$0.06	$0.94
$39.00	$40.00	1:2	Jul 17	-$0.41	$0.59
$40.00	$41.00	1:2	Jul 17	-$0.50	$0.50

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$31.00	$29.00	1:2	Jul 24	-$0.03	$1.97
$32.00	$30.00	1:2	Jul 31	-$0.11	$1.89
$31.00	$30.00	1:2	Jul 2	-$0.11	$0.89
$32.00	$31.00	1:2	Jul 24	-$0.34	$0.66
$31.00	$30.00	1:2	Aug 7	-$0.34	$0.66

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 46 found (best yield 9.23%, avg 3.52%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$36.00	Aug 7	$3.30	0.54	0.7%	9.23%	9.96%	21	49
$37.00	Aug 7	$3.30	0.51	3.5%	9.23%	12.76%	48	403
$38.00	Aug 7	$2.91	0.47	6.3%	8.14%	14.47%	36	135
$36.00	Jul 31	$2.79	0.53	0.7%	7.81%	8.53%	52	60
$39.00	Aug 7	$2.56	0.44	9.1%	7.16%	16.28%	26	117
$36.00	Jul 24	$2.40	0.53	0.7%	6.72%	7.44%	26	48
$37.00	Jul 31	$2.36	0.48	3.5%	6.60%	10.13%	5	--
$40.00	Aug 7	$2.13	0.40	11.9%	5.96%	17.88%	32	58
$38.00	Jul 31	$2.02	0.44	6.3%	5.65%	11.98%	132	424
$36.00	Jul 17	$1.99	0.52	0.7%	5.57%	6.30%	884	504

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 15,079

Total Puts 6,028

Put/Call Ratio 0.40

Net Difference 9,051

Prior's Put/Call Breakdown

Total Calls 18,524

Total Puts 7,775

Put/Call Ratio 0.42

Net Difference 10,749

Prior 7-Day Put/Call Summary

Total Calls 113,628

Total Puts 32,544

Average Put/Call Ratio 0.31

Ratio Trend Falling

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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