UPST - Options Database

UPST

UPSTART HLDGS INC

$33.06 -3.70%

$32.96 (-0.30%)🌙

as of 07/07 07:09 PM

(7/6 19:07) ◀

Tuesday, July 7, 2026 (7:09pm)

▶ (7/8 19:11)

◀ 7/7 19:09 ▶

Option Volume

Detail

ℹ

Current (07/07) 12,775

Calls: 9,032 (71%)

Puts: 3,743 (29%)

Prior (07/06) 17,151

Calls: 13,008 (76%)

Puts: 4,143 (24%)

Current vs Prior -25.51%

Calls: -30.57% (Calls)

Puts: -9.65% (Puts)

Prior 7-Day Total 148,213

Calls: 114,241 (77%)

Puts: 33,972 (23%)

Prior 7-Day Average 21,173

Calls: 16,320 (77%)

Puts: 4,853 (23%)

Current vs Prior 7-Day Avg -39.66%

Calls: -44.66%

Puts: -22.87%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/07) $1.96M

Calls: $1.13M (58%)

Puts: $829.9K (42%)

Prior (07/06) $3.24M

Calls: $2.44M (75%)

Puts: $799.6K (25%)

Current vs Prior -39.60%

Calls: -53.82%

Puts: +3.78%

Prior 7-Day Total $29.74M

Calls: $24.60M (83%)

Puts: $5.14M (17%)

Prior 7-Day Average $4.25M

Calls: $3.51M (83%)

Puts: $735.0K (17%)

Current vs Prior 7-Day Avg -53.96%

Calls: -67.94%

Puts: +12.91%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (07/07) 0.41

Prior (07/06) 0.32

Current vs Prior +30.12%

Prior 7-Day Average 0.31

Current vs Prior 7-Day Avg +34.96%

Sentiment BULLISH

Open Interest

Detail

ℹ

Current (07/07) 154,898

Calls: 100,318 (65%)

Puts: 54,580 (35%)

Prior (07/06) 148,855

Calls: 107,374 (72%)

Puts: 41,481 (28%)

Current vs Prior +4.06%

Prior 7-Day Total 1,167,125

Calls: 797,561 (68%)

Puts: 369,564 (32%)

Prior 7-Day Average 166,732

Calls: 113,937 (68%)

Puts: 52,794 (32%)

Current vs Prior 7-Day Avg -7.10%

Sentiment BEARISH

Expected Move

Detail

ℹ

WKMO Expiry (07/10) | Next (07/17)Expiry (07/17) | Next (08/21)

Current 6.99% | 11.31%11.31% | 25.50%

Prior 7.81% | 11.68%11.68% | 25.78%

Current vs Prior -10.49% | -3.15%-3.15% | -1.09%

Prior 7-Day Avg 6.84% | 11.26%11.68% | 25.78%

Current vs 7-Day Avg +2.12% | +0.50%-3.15% | -1.09%

Prior 7-Day Eod 7.81% | 11.68%-- | --

Current vs 7-Day Eod -10.49% | -3.15%-- | --

Sentiment BULLISHBULLISH

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 16.63% | 14.43%

Calls: 16.56% | 12.34%

Puts: 16.70% | 16.52%

Current vs 7-Day Avg -34.11% | -20.37%

Liquidity Expensive

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🤖 AI Insights

Extreme bullish P/C ratio of 0.41 - heavy call buying (9,032 calls vs 3,743 puts). P/C ratio rising 30% - increased hedging/bearish positioning. Call-heavy open interest (100,318 calls vs 54,580 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

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Tightest Spreads

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Best Value <$1

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Ratio Spreads

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Covered Calls

Options with the tightest bid-ask spreads (<10%). Lower spreads = better fills and less slippage. Showing top 10 of results (avg 7.6%, best 5.4%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$33.50	Jul 17	1.44	1.52	$1.48	5.4%	7	0.49	607
$33.00	Jul 10	1.00	1.07	$1.04	6.7%	87	0.52	248
$35.00	Jul 17	0.92	0.99	$0.96	7.3%	824	0.36	3.3K
$33.00	Jul 31	2.58	2.80	$2.69	8.2%	4	0.54	67
$34.00	Jul 17	1.23	1.35	$1.29	9.3%	69	0.44	243

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 24	3.20	3.40	$3.30	6.1%	8	0.60	149
$35.00	Aug 21	5.15	5.50	$5.33	6.6%	25	0.50	240
$32.50	Aug 21	3.70	4.00	$3.85	7.8%	5	0.41	85
$34.50	Jul 17	2.40	2.62	$2.51	8.8%	1	0.60	27
$35.50	Jul 24	3.45	3.80	$3.63	9.6%	2	0.62	--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 6 found (avg $0.57, cheapest $0.19)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$36.00	Jul 10	0.17	0.20	$0.19	15.8%	305	0.14	977
$35.50	Jul 10	0.23	0.28	$0.26	19.2%	338	0.19	233
$35.00	Jul 10	0.33	0.38	$0.36	13.9%	603	0.24	974
$36.00	Jul 17	0.65	0.72	$0.69	10.1%	622	0.28	1.0K
$35.00	Jul 17	0.92	0.99	$0.96	7.3%	824	0.36	3.3K

PUTS (1)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$31.50	Jul 17	0.86	0.99	$0.93	14.0%	11	0.32	--

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 59 found (avg delta 0.70, highest 0.95)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$27.50	Jul 10	4.35	6.90	$5.63	45.3%	14	0.94	11
$28.00	Jul 17	4.15	6.75	$5.45	47.7%	6	0.93	21
$29.50	Jul 10	2.89	4.95	$3.92	52.6%	2	0.93	--
$28.00	Jul 10	3.15	6.45	$4.80	68.8%	12	0.92	12
$26.50	Jul 10	5.65	7.90	$6.78	33.2%	3	0.92	1

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$39.50	Jul 10	4.50	7.70	$6.10	52.5%	10	0.95	1
$37.50	Jul 10	3.40	5.75	$4.58	51.3%	5	0.94	1
$37.00	Jul 10	3.00	5.15	$4.08	52.7%	5	0.92	43
$36.50	Jul 10	2.90	4.80	$3.85	49.4%	6	0.86	38
$36.00	Jul 10	1.82	3.55	$2.69	64.3%	6	0.85	36

Most actively traded options today. High liquidity = easy entry/exit. 149 active (total vol 10.0K, top 824)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 17	0.92	0.99	$0.96	7.3%	824	0.36	3.3K
$36.00	Jul 17	0.65	0.72	$0.69	10.1%	622	0.28	1.0K
$35.00	Jul 10	0.33	0.38	$0.36	13.9%	603	0.24	974
$38.00	Jul 10	0.03	0.11	$0.07	114.3%	546	0.06	565
$37.50	Jul 10	0.05	0.09	$0.07	57.1%	452	0.06	580

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 10	2.02	2.53	$2.28	22.4%	684	0.76	207
$30.00	Jul 10	0.10	0.14	$0.12	33.3%	473	0.10	349
$30.00	Jul 17	0.44	0.54	$0.49	20.4%	331	0.20	2.2K
$35.00	Aug 7	3.60	5.65	$4.63	44.3%	327	0.53	--
$31.00	Jul 10	0.23	0.29	$0.26	23.1%	242	0.19	307

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 20 strikes (avg 18.2%, max 80.4%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$28.00	Jul 10	Jul 17	129.2%	71.6%	80.4%	18	33
$38.50	Jul 10	Jul 24	99.5%	80.4%	23.7%	188	351
$36.50	Jul 10	Jul 17	99.1%	80.6%	22.9%	328	786
$34.50	Jul 10	Jul 17	93.3%	79.2%	17.9%	201	258
$33.50	Jul 10	Jul 17	89.5%	75.9%	17.8%	105	1.0K

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$34.50	Jul 10	Jul 24	93.3%	72.9%	27.9%	17	160
$33.50	Jul 10	Jul 24	89.5%	73.2%	22.3%	12	202
$34.00	Jul 10	Jul 17	93.9%	76.8%	22.2%	69	783
$28.00	Jul 10	Aug 14	129.2%	107.1%	20.6%	27	2
$36.00	Jul 10	Jul 17	87.4%	77.7%	12.6%	16	72

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 79 found (best R:R 10.76, avg 2.08)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$35.00	$37.00	Aug 14	$0.20	$1.80	$0.20	9.00	$35.20
$37.00	$39.00	Jul 31	$0.39	$1.61	$0.39	4.13	$37.39
$32.00	$33.00	Aug 7	$0.20	$0.80	$0.20	4.00	$32.20
$36.50	$37.00	Jul 10	$0.11	$0.39	$0.11	3.55	$36.61
$36.00	$37.00	Jul 24	$0.23	$0.77	$0.23	3.35	$36.23

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$29.00	$27.00	Jul 17	$0.17	$1.83	$0.17	10.76	$28.83
$31.00	$30.00	Jul 10	$0.14	$0.86	$0.14	6.14	$30.86
$30.00	$29.00	Aug 7	$0.14	$0.86	$0.14	6.14	$29.86
$33.00	$32.00	Aug 7	$0.14	$0.86	$0.14	6.14	$32.86
$29.00	$27.00	Jul 24	$0.30	$1.70	$0.30	5.67	$28.70

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 95 found (best R:R 9.00, avg 1.29)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$28.00	$30.00	Jul 17	$1.75	$1.75	$0.25	7.00	$29.75
$32.00	$32.50	Jul 17	$0.39	$0.39	$0.11	3.55	$32.39
$31.50	$32.00	Jul 10	$0.38	$0.38	$0.12	3.17	$31.88
$33.00	$33.50	Jul 17	$0.38	$0.38	$0.12	3.17	$33.38
$30.00	$30.50	Jul 17	$0.37	$0.37	$0.13	2.85	$30.37

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$37.00	$36.00	Jul 17	$0.90	$0.90	$0.10	9.00	$36.10
$37.00	$35.00	Aug 7	$1.65	$1.65	$0.35	4.71	$35.35
$31.00	$30.00	Aug 7	$0.80	$0.80	$0.20	4.00	$30.20
$37.50	$35.00	Aug 21	$1.92	$1.92	$0.58	3.31	$35.58
$39.50	$37.50	Jul 10	$1.52	$1.52	$0.48	3.17	$37.98

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 38 found (avg debit $0.59, cheapest $0.11)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$39.00	Jul 10	Jul 17	$0.24	100.2%	83.1%
$30.00	Jul 10	Jul 17	$0.25	85.8%	76.5%
$38.00	Jul 10	Jul 17	$0.30	97.3%	80.8%
$37.50	Jul 10	Jul 17	$0.35	90.1%	79.2%
$37.00	Jul 10	Jul 17	$0.40	86.4%	78.4%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$27.00	Jul 17	Jul 24	$0.11	90.0%	80.3%
$29.00	Jul 10	Jul 17	$0.20	111.8%	80.5%
$37.00	Jul 10	Jul 17	$0.30	86.4%	78.4%
$29.50	Jul 10	Jul 17	$0.33	84.8%	77.8%
$30.00	Jul 10	Jul 17	$0.37	85.8%	76.5%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 46 found (cheapest 6.14% of stock, avg 13.68%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$33.00	Jul 10	$1.04	$0.99	$2.03	$30.97	$35.03	6.14%
$33.50	Jul 10	$0.85	$1.27	$2.12	$31.38	$35.62	6.41%
$32.00	Jul 10	$1.61	$0.54	$2.15	$29.85	$34.15	6.50%
$32.50	Jul 10	$1.40	$0.76	$2.16	$30.34	$34.66	6.53%
$34.00	Jul 10	$0.71	$1.58	$2.29	$31.71	$36.29	6.93%
$31.50	Jul 10	$1.99	$0.39	$2.38	$29.12	$33.88	7.20%
$34.50	Jul 10	$0.54	$1.85	$2.39	$32.11	$36.89	7.23%
$35.00	Jul 10	$0.36	$2.28	$2.64	$32.36	$37.64	7.99%
$31.00	Jul 10	$2.55	$0.26	$2.81	$28.19	$33.81	8.50%
$35.50	Jul 10	$0.26	$2.61	$2.87	$32.63	$38.37	8.68%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 132 found (cheapest 1.57% of stock, avg 8.94%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$35.50	$31.00	Jul 10	$0.26	$0.26	$0.52	$30.48	$36.02
$35.00	$31.00	Jul 10	$0.36	$0.26	$0.62	$30.38	$35.62
$35.50	$31.50	Jul 10	$0.26	$0.39	$0.65	$30.85	$36.15
$35.00	$31.50	Jul 10	$0.36	$0.39	$0.75	$30.75	$35.75
$34.50	$31.00	Jul 10	$0.54	$0.26	$0.80	$30.20	$35.30
$35.50	$32.00	Jul 10	$0.26	$0.54	$0.80	$31.20	$36.30
$35.00	$32.00	Jul 10	$0.36	$0.54	$0.90	$31.10	$35.90
$34.50	$31.50	Jul 10	$0.54	$0.39	$0.93	$30.57	$35.43
$34.00	$31.00	Jul 10	$0.71	$0.26	$0.97	$30.03	$34.97
$35.50	$32.50	Jul 10	$0.26	$0.76	$1.02	$31.48	$36.52

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 86 found (best R:R 7.33, avg credit $0.79)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
29/30	33/34	Aug 7	$0.88	$0.12	7.33	$29.12	$33.88
34/34	36/37	Jul 24	$0.86	$0.14	6.14	$33.64	$36.86
30/31	34/35	Jul 31	$0.85	$0.15	5.67	$30.15	$34.85
31/32	33/34	Jul 31	$0.83	$0.17	4.88	$31.17	$33.83
32/33	34/35	Jul 31	$0.83	$0.17	4.88	$32.17	$34.83
30/32	35/38	Aug 21	$2.06	$0.44	4.68	$30.44	$37.06
30/31	36/37	Jul 31	$0.82	$0.18	4.56	$30.18	$36.82
32/33	36/37	Jul 31	$0.80	$0.20	4.00	$32.20	$36.80
36/37	38/38	Jul 24	$1.19	$0.31	3.84	$35.81	$38.69
33/35	37/39	Jul 31	$1.58	$0.42	3.76	$33.42	$38.58

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 39 found (best R:R 13.29, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$33.00	$34.00	$35.00	Jul 31	$0.07	$0.93	13.29
$32.50	$35.00	$37.50	Aug 21	$0.18	$2.32	12.89
$33.00	$33.50	$34.00	Jul 10	$0.05	$0.45	9.00
$35.00	$36.00	$37.00	Jul 24	$0.10	$0.90	9.00
$33.00	$34.00	$35.00	Aug 14	$0.11	$0.89	8.09

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$31.00	$32.00	$33.00	Jul 31	$0.07	$0.93	13.29
$30.00	$32.50	$35.00	Aug 21	$0.24	$2.26	9.42
$32.50	$33.00	$33.50	Jul 10	$0.05	$0.45	9.00
$27.50	$30.00	$32.50	Aug 21	$0.29	$2.21	7.62
$31.50	$32.00	$32.50	Jul 10	$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. 44 found (best net $-0.93, 42 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$30.00	$33.00	1:2	Jul 31	-$0.93	$2.07
$33.00	$35.00	1:2	Jul 24	-$0.52	$1.48
$37.00	$39.00	1:2	Jul 31	-$0.56	$1.44
$38.00	$39.00	1:2	Jul 17	-$0.19	$0.81
$35.00	$37.50	1:2	Aug 21	-$1.94	$0.56

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$29.00	$27.00	1:2	Jul 17	$0.00	$2.00
$30.00	$27.50	1:2	Aug 21	-$0.71	$1.79
$31.00	$28.00	1:2	Aug 14	-$1.34	$1.66
$32.50	$30.00	1:2	Aug 21	-$1.37	$1.13
$33.50	$32.00	1:2	Jul 24	-$0.76	$0.74

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 43 found (best yield 10.13%, avg 3.36%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$35.00	Aug 21	$3.35	0.50	5.9%	10.13%	16.00%	220	653
$35.00	Aug 14	$2.69	0.52	5.9%	8.14%	14.00%	2	--
$37.50	Aug 21	$2.54	0.42	13.4%	7.68%	21.11%	10	212
$34.00	Aug 14	$2.43	0.56	2.8%	7.35%	10.19%	2	--
$34.00	Aug 7	$2.36	0.55	2.8%	7.14%	9.98%	2	--
$37.00	Aug 14	$2.23	0.46	11.9%	6.75%	18.66%	1	2
$34.00	Jul 31	$2.03	0.49	2.8%	6.14%	8.98%	17	219
$38.00	Aug 14	$1.98	0.41	14.9%	5.99%	20.93%	1	3
$37.00	Aug 7	$1.84	0.44	11.9%	5.57%	17.48%	280	--
$36.00	Aug 7	$1.83	0.47	8.9%	5.54%	14.43%	13	67

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 9,032

Total Puts 3,743

Put/Call Ratio 0.41

Net Difference 5,289

Prior's Put/Call Breakdown

Total Calls 13,008

Total Puts 4,143

Put/Call Ratio 0.32

Net Difference 8,865

Prior 7-Day Put/Call Summary

Total Calls 114,241

Total Puts 33,972

Average Put/Call Ratio 0.31

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

🤖 AI Insights

📈 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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