UPST - Options Database

UPST

UPSTART HLDGS INC

$31.81 -3.78%

$31.80 (-0.03%)🌙

as of 07/08 07:11 PM

(7/7 19:09) ◀

Wednesday, July 8, 2026 (7:11pm)

▶ (7/9 19:11)

◀ 7/8 19:11 ▶

Option Volume

Detail

ℹ

Current (07/08) 11,891

Calls: 8,861 (75%)

Puts: 3,030 (25%)

Prior (07/07) 12,775

Calls: 9,032 (71%)

Puts: 3,743 (29%)

Current vs Prior -6.92%

Calls: -1.89% (Calls)

Puts: -19.05% (Puts)

Prior 7-Day Total 147,241

Calls: 112,782 (77%)

Puts: 34,459 (23%)

Prior 7-Day Average 21,034

Calls: 16,111 (77%)

Puts: 4,922 (23%)

Current vs Prior 7-Day Avg -43.47%

Calls: -45.00%

Puts: -38.45%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/08) $2.26M

Calls: $1.64M (72%)

Puts: $621.1K (28%)

Prior (07/07) $1.96M

Calls: $1.13M (58%)

Puts: $829.9K (42%)

Current vs Prior +15.38%

Calls: +45.25%

Puts: -25.16%

Prior 7-Day Total $29.31M

Calls: $23.96M (82%)

Puts: $5.36M (18%)

Prior 7-Day Average $4.19M

Calls: $3.42M (82%)

Puts: $765.4K (18%)

Current vs Prior 7-Day Avg -46.10%

Calls: -52.19%

Puts: -18.85%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (07/08) 0.34

Prior (07/07) 0.41

Current vs Prior -17.49%

Prior 7-Day Average 0.32

Current vs Prior 7-Day Avg +6.21%

Sentiment BULLISH

Open Interest

Detail

ℹ

Current (07/08) 159,523

Calls: 118,823 (74%)

Puts: 40,700 (26%)

Prior (07/07) 154,898

Calls: 100,318 (65%)

Puts: 54,580 (35%)

Current vs Prior +2.99%

Prior 7-Day Total 1,190,178

Calls: 811,750 (68%)

Puts: 378,428 (32%)

Prior 7-Day Average 170,025

Calls: 115,964 (68%)

Puts: 54,061 (32%)

Current vs Prior 7-Day Avg -6.18%

Sentiment BEARISH

Expected Move

Detail

ℹ

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

Current 5.82% | 10.56%10.56% | 25.87%

Prior 6.99% | 11.31%11.31% | 25.50%

Current vs Prior -16.77% | -6.63%-6.63% | +1.46%

Prior 7-Day Avg 7.16% | 11.56%11.50% | 25.64%

Current vs 7-Day Avg -18.78% | -8.59%-8.12% | +0.91%

Prior 7-Day Eod 6.99% | 11.31%-- | --

Current vs 7-Day Eod -16.77% | -6.63%-- | --

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 13.22% | 13.41%

Calls: 14.07% | 10.34%

Puts: 12.37% | 16.48%

Current vs 7-Day Avg -17.11% | -14.34%

Liquidity Expensive

Add Card

🤖 AI Insights

Moderately bullish flow with 72% call dollar volume ($1.64M). Extreme bullish P/C ratio of 0.34 - heavy call buying (8,861 calls vs 3,030 puts). Call-heavy open interest (118,823 calls vs 40,700 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 10 of results (avg 8.6%, best 6.9%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$27.50	Aug 21	6.25	6.70	$6.48	6.9%	1	0.73	--
$32.00	Jul 17	1.37	1.48	$1.43	7.7%	13	0.50	186
$32.50	Jul 17	1.20	1.30	$1.25	8.0%	41	0.45	1.8K
$35.00	Aug 21	2.80	3.05	$2.93	8.5%	53	0.45	652
$30.50	Jul 17	2.20	2.41	$2.31	9.1%	1	0.66	--

PUTS (4)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Aug 21	5.80	6.25	$6.03	7.5%	47	0.55	261
$32.50	Aug 21	4.20	4.60	$4.40	9.1%	8	0.46	--
$33.00	Aug 7	4.05	4.45	$4.25	9.4%	71	0.49	142
$33.00	Jul 17	2.10	2.31	$2.21	9.5%	4	0.59	--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 5 found (avg $0.82, cheapest $0.62)

CALLS (2)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.00	Jul 10	0.65	0.74	$0.70	12.9%	534	0.47	69
$31.50	Jul 10	0.87	1.00	$0.94	13.8%	499	0.57	27

PUTS (3)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$31.50	Jul 10	0.58	0.66	$0.62	12.9%	33	0.43	188
$32.00	Jul 10	0.82	1.00	$0.91	19.8%	296	0.53	448
$30.50	Jul 17	0.86	1.03	$0.95	17.9%	4	0.34	140

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 54 found (avg delta 0.72, highest 1.00)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$26.00	Jul 10	4.50	6.95	$5.73	42.8%	10	1.00	7
$28.00	Jul 10	2.57	5.10	$3.84	65.9%	5	0.95	20
$26.50	Jul 10	4.05	6.45	$5.25	45.7%	12	0.94	3
$27.00	Jul 10	3.95	5.00	$4.47	23.5%	1	0.94	--
$29.00	Jul 10	2.01	3.35	$2.68	50.0%	4	0.92	18

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$37.00	Jul 10	4.70	6.30	$5.50	29.1%	13	0.96	44
$38.00	Jul 10	5.00	7.50	$6.25	40.0%	2	0.96	2
$35.00	Jul 10	3.15	4.00	$3.58	23.7%	10	0.93	676
$34.50	Jul 10	2.36	3.75	$3.06	45.4%	2	0.88	--
$37.00	Jul 17	4.35	6.65	$5.50	41.8%	1	0.88	--

Most actively traded options today. High liquidity = easy entry/exit. 145 active (total vol 8.5K, top 799)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 17	0.43	0.54	$0.49	22.4%	799	0.23	3.0K
$32.00	Jul 10	0.65	0.74	$0.70	12.9%	534	0.47	69
$31.50	Jul 10	0.87	1.00	$0.94	13.8%	499	0.57	27
$32.50	Jul 10	0.45	0.56	$0.51	21.6%	448	0.37	31
$35.00	Jul 10	0.05	0.08	$0.07	42.9%	418	0.07	921

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 17	0.71	0.92	$0.82	25.6%	525	0.30	2.4K
$32.00	Jul 10	0.82	1.00	$0.91	19.8%	296	0.53	448
$33.50	Jul 24	2.83	3.25	$3.04	13.8%	154	0.61	5
$32.00	Jul 24	1.95	2.34	$2.15	18.1%	153	0.48	47
$32.50	Jul 10	1.01	1.29	$1.15	24.3%	106	0.62	253

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 24 strikes (avg 35.5%, max 244.7%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$27.50	Jul 10	Aug 21	315.0%	91.4%	244.7%	7	22
$38.00	Jul 10	Jul 31	132.2%	79.2%	67.0%	121	1.2K
$36.50	Jul 10	Jul 17	123.5%	84.8%	45.7%	85	166
$37.50	Jul 10	Aug 21	129.2%	93.5%	38.1%	138	927
$34.50	Jul 10	Jul 24	91.9%	73.3%	25.4%	239	260

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$26.00	Jul 10	Aug 14	153.4%	95.1%	61.4%	6	359
$38.00	Jul 10	Jul 24	132.2%	83.8%	57.8%	3	28
$31.50	Jul 10	Jul 24	82.1%	53.0%	54.8%	36	188
$37.00	Jul 10	Jul 24	113.4%	80.3%	41.1%	23	52
$28.50	Jul 10	Jul 17	113.0%	82.2%	37.5%	27	5

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 75 found (best R:R 8.09, avg 1.93)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$31.00	$32.00	Jul 31	$0.11	$0.89	$0.11	8.09	$31.11
$36.00	$37.00	Jul 24	$0.14	$0.86	$0.14	6.14	$36.14
$37.00	$38.00	Jul 31	$0.18	$0.82	$0.18	4.56	$37.18
$33.50	$34.00	Jul 10	$0.10	$0.40	$0.10	4.00	$33.60
$35.50	$36.00	Jul 17	$0.10	$0.40	$0.10	4.00	$35.60

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$28.00	$26.00	Jul 31	$0.37	$1.63	$0.37	4.41	$27.63
$29.00	$28.50	Jul 17	$0.10	$0.40	$0.10	4.00	$28.90
$27.00	$26.00	Aug 7	$0.23	$0.77	$0.23	3.35	$26.77
$34.50	$33.50	Jul 24	$0.24	$0.76	$0.24	3.17	$34.26
$28.50	$28.00	Jul 17	$0.13	$0.37	$0.13	2.85	$28.37

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 84 found (best R:R 6.69, avg 1.04)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$30.00	$31.00	Jul 31	$0.87	$0.87	$0.13	6.69	$30.87
$27.50	$29.50	Jul 17	$1.59	$1.59	$0.41	3.88	$29.09
$31.50	$32.00	Jul 17	$0.32	$0.32	$0.18	1.78	$31.82
$30.00	$30.50	Jul 10	$0.31	$0.31	$0.19	1.63	$30.31
$27.50	$30.00	Aug 21	$1.55	$1.55	$0.95	1.63	$29.05

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$34.50	$34.00	Jul 10	$0.40	$0.40	$0.10	4.00	$34.10
$34.50	$33.50	Jul 17	$0.79	$0.79	$0.21	3.76	$33.71
$38.00	$37.00	Jul 10	$0.75	$0.75	$0.25	3.00	$37.25
$33.00	$32.50	Jul 10	$0.37	$0.37	$0.13	2.85	$32.63
$37.00	$36.00	Jul 17	$0.70	$0.70	$0.30	2.33	$36.30

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 37 found (avg debit $0.53, cheapest $0.09)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$38.00	Jul 10	Jul 17	$0.12	132.2%	80.7%
$37.50	Jul 10	Jul 17	$0.15	129.2%	80.9%
$37.00	Jul 10	Jul 17	$0.19	113.4%	78.2%
$29.50	Jul 10	Jul 17	$0.25	92.9%	87.5%
$36.50	Jul 10	Jul 17	$0.27	123.5%	84.8%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$26.00	Jul 10	Jul 17	$0.09	153.4%	89.4%
$27.00	Jul 17	Jul 24	$0.09	91.6%	75.6%
$34.50	Jul 10	Jul 17	$0.25	91.9%	80.2%
$28.00	Jul 10	Jul 17	$0.26	100.1%	79.8%
$28.50	Jul 10	Jul 17	$0.32	113.0%	82.2%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 45 found (cheapest 4.90% of stock, avg 13.43%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$31.50	Jul 10	$0.94	$0.62	$1.56	$29.94	$33.06	4.90%
$32.00	Jul 10	$0.70	$0.91	$1.61	$30.39	$33.61	5.06%
$31.00	Jul 10	$1.18	$0.48	$1.66	$29.34	$32.66	5.22%
$32.50	Jul 10	$0.51	$1.15	$1.66	$30.84	$34.16	5.22%
$33.00	Jul 10	$0.32	$1.52	$1.84	$31.16	$34.84	5.78%
$30.50	Jul 10	$1.61	$0.28	$1.89	$28.61	$32.39	5.94%
$30.00	Jul 10	$1.92	$0.20	$2.12	$27.88	$32.12	6.66%
$33.50	Jul 10	$0.26	$2.10	$2.36	$31.14	$35.86	7.42%
$29.00	Jul 10	$2.68	$0.08	$2.76	$26.24	$31.76	8.68%
$34.00	Jul 10	$0.16	$2.66	$2.82	$31.18	$36.82	8.87%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 121 found (cheapest 0.94% of stock, avg 8.19%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$34.00	$29.50	Jul 10	$0.16	$0.14	$0.30	$29.20	$34.30
$34.00	$30.00	Jul 10	$0.16	$0.20	$0.36	$29.64	$34.36
$33.50	$29.50	Jul 10	$0.26	$0.14	$0.40	$29.10	$33.90
$34.00	$30.50	Jul 10	$0.16	$0.28	$0.44	$30.06	$34.44
$33.00	$29.50	Jul 10	$0.32	$0.14	$0.46	$29.04	$33.46
$33.50	$30.00	Jul 10	$0.26	$0.20	$0.46	$29.54	$33.96
$33.00	$30.00	Jul 10	$0.32	$0.20	$0.52	$29.48	$33.52
$33.50	$30.50	Jul 10	$0.26	$0.28	$0.54	$29.96	$34.04
$33.00	$30.50	Jul 10	$0.32	$0.28	$0.60	$29.90	$33.60
$34.00	$31.00	Jul 10	$0.16	$0.48	$0.64	$30.36	$34.64

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 84 found (best R:R 8.09, avg credit $0.78)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
32/33	35/36	Jul 31	$0.89	$0.11	8.09	$32.11	$35.89
32/33	34/35	Jul 31	$0.88	$0.12	7.33	$32.12	$34.88
30/32	33/35	Aug 14	$1.71	$0.29	5.90	$30.29	$34.71
32/33	35/36	Aug 7	$0.85	$0.15	5.67	$32.15	$35.85
30/32	35/37	Aug 14	$1.65	$0.35	4.71	$30.35	$36.65
30/32	35/38	Aug 21	$2.06	$0.44	4.68	$30.44	$37.06
28/30	32/35	Aug 21	$2.03	$0.47	4.32	$27.97	$34.53
28/29	30/31	Jul 17	$0.39	$0.11	3.55	$28.61	$30.89
29/30	33/34	Jul 17	$0.39	$0.11	3.55	$29.11	$33.39
31/32	34/34	Jul 17	$0.39	$0.11	3.55	$31.11	$33.89

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 42 found (best R:R 32.33, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$33.00	$35.00	$37.00	Aug 14	$0.06	$1.94	32.33
$32.50	$35.00	$37.50	Aug 21	$0.14	$2.36	16.86
$35.00	$36.00	$37.00	Jul 24	$0.06	$0.94	15.67
$36.00	$37.00	$38.00	Jul 24	$0.06	$0.94	15.67
$30.00	$32.50	$35.00	Aug 21	$0.20	$2.30	11.50

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$27.50	$30.00	$32.50	Aug 21	$0.17	$2.33	13.71
$28.00	$29.00	$30.00	Jul 24	$0.07	$0.93	13.29
$26.00	$26.50	$27.00	Jul 17	$0.05	$0.45	9.00
$30.00	$30.50	$31.00	Jul 17	$0.06	$0.44	7.33
$30.50	$31.00	$31.50	Jul 17	$0.06	$0.44	7.33

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 58 found (best net $-0.44, 58 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$30.00	$35.00	1:2	Aug 7	-$0.44	$4.56
$32.00	$34.00	1:2	Jul 24	-$0.36	$1.64
$32.00	$34.00	1:2	Jul 31	-$0.83	$1.17
$35.00	$37.50	1:2	Aug 21	-$1.41	$1.09
$35.00	$37.00	1:2	Aug 14	-$1.34	$0.66

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$28.00	$26.00	1:2	Jul 10	-$0.06	$1.94
$37.00	$34.50	1:2	Jul 24	-$0.71	$1.79
$28.00	$26.00	1:2	Jul 31	-$0.24	$1.76
$30.00	$28.00	1:2	Jul 31	-$0.31	$1.69
$30.00	$27.50	1:2	Aug 21	-$0.84	$1.66

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 40 found (best yield 11.16%, avg 3.24%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$32.50	Aug 21	$3.55	0.54	2.2%	11.16%	13.33%	21	241
$33.00	Aug 14	$2.99	0.51	3.7%	9.40%	13.14%	100	--
$35.00	Aug 21	$2.80	0.45	10.0%	8.80%	18.83%	53	652
$32.00	Jul 31	$2.33	0.53	0.6%	7.32%	7.92%	21	498
$35.00	Aug 14	$2.27	0.43	10.0%	7.14%	17.16%	4	2
$35.00	Aug 7	$2.26	0.43	10.0%	7.10%	17.13%	3	156
$37.50	Aug 21	$2.00	0.36	17.9%	6.29%	24.17%	40	216
$36.00	Aug 7	$1.96	0.39	13.2%	6.16%	19.33%	17	80
$32.00	Jul 24	$1.80	0.52	0.6%	5.66%	6.26%	2	72
$37.00	Aug 14	$1.71	0.36	16.3%	5.38%	21.69%	2	3

Current 5-Minute Volume Snapshots

Time (HH:MM)	Total Volume	Call Volume	Put Volume	Volume Change
Loading data...

Prior's 5-Minute Volume Snapshots

Time (HH:MM)	Total Volume	Call Volume	Put Volume	Volume Change
Loading data...

Current Put/Call Breakdown

Total Calls 8,861

Total Puts 3,030

Put/Call Ratio 0.34

Net Difference 5,831

Prior's Put/Call Breakdown

Total Calls 9,032

Total Puts 3,743

Put/Call Ratio 0.41

Net Difference 5,289

Prior 7-Day Put/Call Summary

Total Calls 112,782

Total Puts 34,459

Average Put/Call Ratio 0.32

Ratio Trend Falling

Daily Put/Call History (Last 7 Days)

Date	Calls	Puts	Ratio	Net Diff
Loading data...

Upcoming Earnings - 2 Weeks Prior

Loading earnings data...

Upcoming Earnings - 1 Week Prior

Loading earnings data...

Earnings This Week

Loading earnings data...

Earnings - Day Before / Day After

Loading earnings data...

Options Activity Around Earnings

Ticker	Earnings Date	Days Away	Call Volume	Put Volume	IV Rank
Loading data...

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

Add Card