UPST - Options Database

UPST

UPSTART HLDGS INC

$33.23 +4.46%

$33.28 (+0.15%)🌙

as of 07/09 07:11 PM

(7/8 19:11) ◀

Thursday, July 9, 2026 (7:11pm)

▶ (7/10 19:12)

◀ 7/9 19:11 ▶

Option Volume

Detail

ℹ

Current (07/09) 24,825

Calls: 17,020 (69%)

Puts: 7,805 (31%)

Prior (07/08) 11,891

Calls: 8,861 (75%)

Puts: 3,030 (25%)

Current vs Prior +108.77%

Calls: +92.08% (Calls)

Puts: +157.59% (Puts)

Prior 7-Day Total 137,924

Calls: 104,315 (76%)

Puts: 33,609 (24%)

Prior 7-Day Average 19,703

Calls: 14,902 (76%)

Puts: 4,801 (24%)

Current vs Prior 7-Day Avg +25.99%

Calls: +14.21%

Puts: +62.56%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/09) $3.66M

Calls: $2.60M (71%)

Puts: $1.06M (29%)

Prior (07/08) $2.26M

Calls: $1.64M (72%)

Puts: $621.1K (28%)

Current vs Prior +62.04%

Calls: +58.70%

Puts: +70.83%

Prior 7-Day Total $27.41M

Calls: $21.94M (80%)

Puts: $5.47M (20%)

Prior 7-Day Average $3.92M

Calls: $3.13M (80%)

Puts: $781.3K (20%)

Current vs Prior 7-Day Avg -6.59%

Calls: -17.16%

Puts: +35.80%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (07/09) 0.46

Prior (07/08) 0.34

Current vs Prior +34.11%

Prior 7-Day Average 0.34

Current vs Prior 7-Day Avg +35.37%

Sentiment BULLISH

Open Interest

Detail

ℹ

Current (07/09) 165,276

Calls: 111,741 (68%)

Puts: 53,535 (32%)

Prior (07/08) 159,523

Calls: 118,823 (74%)

Puts: 40,700 (26%)

Current vs Prior +3.61%

Prior 7-Day Total 1,182,167

Calls: 815,649 (69%)

Puts: 366,518 (31%)

Prior 7-Day Average 168,881

Calls: 116,521 (69%)

Puts: 52,359 (31%)

Current vs Prior 7-Day Avg -2.13%

Sentiment BEARISH

Expected Move

Detail

ℹ

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

Current 4.30% | 9.54%9.54% | 24.23%

Prior 5.82% | 10.56%10.56% | 25.87%

Current vs Prior -26.01% | -9.69%-9.69% | -6.37%

Prior 7-Day Avg 6.77% | 11.18%11.19% | 25.72%

Current vs 7-Day Avg -36.42% | -14.68%-14.71% | -5.80%

Prior 7-Day Eod 5.82% | 10.56%-- | --

Current vs 7-Day Eod -26.01% | -9.69%-- | --

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 10.96% | 11.49%

Calls: 11.11% | 8.19%

Puts: 10.80% | 14.79%

Current vs 7-Day Avg +0.00% | +0.00%

Liquidity Expensive

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🤖 AI Insights

Moderately bullish flow with 71% call dollar volume ($2.60M). Elevated premium activity with dollar volume up 62% vs prior. Unusually high activity with volume up 109% vs prior - elevated interest. Extreme bullish P/C ratio of 0.46 - heavy call buying (17,020 calls vs 7,805 puts).

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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High Delta

⚖️

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 20 of results (avg 7.4%, best 3.9%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Aug 21	3.40	3.65	$3.53	7.1%	209	0.50	648
$34.00	Jul 17	1.05	1.13	$1.09	7.3%	273	0.45	276
$32.50	Aug 21	4.30	4.65	$4.47	7.8%	39	0.59	260
$37.50	Aug 21	2.51	2.75	$2.63	9.1%	51	0.41	225
$30.00	Aug 21	5.70	6.25	$5.98	9.2%	2	0.69	136

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.50	Jul 17	2.77	2.88	$2.83	3.9%	2	0.71	136
$32.50	Aug 21	3.50	3.65	$3.58	4.2%	31	0.41	90
$35.00	Aug 21	4.80	5.05	$4.93	5.1%	4	0.50	--
$34.50	Jul 17	2.06	2.18	$2.12	5.7%	9	0.60	33
$36.00	Jul 31	3.90	4.15	$4.03	6.2%	2	0.62	105

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 5 found (avg $0.67, cheapest $0.51)

CALLS (2)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$36.00	Jul 17	0.47	0.55	$0.51	15.7%	1.2K	0.26	733
$35.00	Jul 17	0.72	0.85	$0.78	16.7%	2.0K	0.35	3.0K

PUTS (3)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$31.00	Jul 17	0.51	0.56	$0.54	9.3%	451	0.24	58
$31.50	Jul 17	0.61	0.70	$0.66	13.6%	61	0.28	86
$32.00	Jul 17	0.79	0.88	$0.84	10.7%	77	0.33	704

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 59 found (avg delta 0.73, highest 1.00)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.50	Jul 10	1.94	4.90	$3.42	86.5%	3	0.97	--
$30.00	Jul 10	2.85	3.70	$3.28	25.9%	25	0.96	118
$28.00	Jul 10	4.15	7.35	$5.75	55.7%	3	0.95	24
$27.50	Jul 17	4.50	6.60	$5.55	37.8%	1	0.92	--
$27.00	Jul 10	5.40	8.35	$6.88	42.9%	2	0.91	9

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.50	Jul 10	1.38	2.42	$1.90	54.7%	2	1.00	256
$37.00	Jul 10	2.60	5.25	$3.93	67.4%	1	1.00	--
$38.50	Jul 10	3.55	6.75	$5.15	62.1%	1	1.00	--
$39.00	Jul 10	4.05	7.25	$5.65	56.6%	1	1.00	--
$39.00	Jul 17	4.45	6.60	$5.53	38.9%	1	0.94	--

Most actively traded options today. High liquidity = easy entry/exit. 159 active (total vol 15.3K, top 2.0K)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 17	0.72	0.85	$0.78	16.7%	2.0K	0.35	3.0K
$36.00	Jul 17	0.47	0.55	$0.51	15.7%	1.2K	0.26	733
$34.00	Jul 10	0.25	0.38	$0.32	40.6%	691	0.34	414
$35.00	Jul 10	0.05	0.17	$0.11	109.1%	547	0.15	900
$35.50	Jul 10	0.01	0.12	$0.07	157.1%	350	0.09	327

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 17	0.21	0.44	$0.33	69.7%	1.7K	0.16	2.9K
$32.50	Jul 17	0.98	1.18	$1.08	18.5%	1.5K	0.39	2.0K
$31.00	Jul 17	0.51	0.56	$0.54	9.3%	451	0.24	58
$30.00	Jul 31	0.93	1.30	$1.12	33.0%	164	0.26	250
$31.00	Jul 10	0.02	0.18	$0.10	160.0%	136	0.10	344

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 32 strikes (avg 76.3%, max 422.3%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$27.50	Jul 10	Jul 17	524.4%	100.4%	422.3%	10	26
$27.00	Jul 10	Aug 7	348.4%	99.2%	251.4%	4	9
$29.50	Jul 10	Jul 17	236.3%	74.5%	217.3%	9	7
$38.50	Jul 10	Jul 24	157.7%	79.3%	98.7%	253	531
$31.00	Jul 10	Jul 24	119.4%	72.8%	63.9%	12	90

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$27.00	Jul 10	Aug 14	348.4%	95.4%	265.3%	24	1
$29.50	Jul 10	Jul 17	236.3%	74.5%	217.3%	15	--
$28.00	Jul 10	Aug 14	231.2%	89.6%	158.1%	42	18
$29.00	Jul 10	Aug 14	257.2%	106.1%	142.5%	10	1.8K
$39.00	Jul 10	Jul 17	136.8%	73.4%	86.3%	2	--

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 84 found (best R:R 9.00, avg 1.77)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$38.00	$39.00	Jul 17	$0.10	$0.90	$0.10	9.00	$38.10
$38.00	$39.00	Jul 31	$0.19	$0.81	$0.19	4.26	$38.19
$38.00	$39.00	Aug 7	$0.21	$0.79	$0.21	3.76	$38.21
$37.00	$38.00	Jul 31	$0.23	$0.77	$0.23	3.35	$37.23
$35.00	$35.50	Jul 17	$0.13	$0.37	$0.13	2.85	$35.13

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$28.00	$27.00	Aug 14	$0.14	$0.86	$0.14	6.14	$27.86
$30.00	$29.00	Aug 7	$0.17	$0.83	$0.17	4.88	$29.83
$29.00	$28.00	Jul 10	$0.18	$0.82	$0.18	4.56	$28.82
$30.00	$29.00	Jul 24	$0.19	$0.81	$0.19	4.26	$29.81
$30.00	$29.50	Jul 17	$0.10	$0.40	$0.10	4.00	$29.90

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 91 found (best R:R 4.36, avg 1.01)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$31.50	$32.00	Jul 17	$0.39	$0.39	$0.11	3.55	$31.89
$32.50	$33.00	Jul 10	$0.38	$0.38	$0.12	3.17	$32.88
$31.00	$32.00	Jul 24	$0.73	$0.73	$0.27	2.70	$31.73
$27.00	$32.00	Aug 7	$3.50	$3.50	$1.50	2.33	$30.50
$30.00	$31.00	Jul 24	$0.65	$0.65	$0.35	1.86	$30.65

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$38.50	$37.00	Jul 10	$1.22	$1.22	$0.28	4.36	$37.28
$34.50	$34.00	Jul 10	$0.38	$0.38	$0.12	3.17	$34.12
$37.00	$36.00	Aug 7	$0.73	$0.73	$0.27	2.70	$36.27
$36.00	$33.50	Jul 24	$1.63	$1.63	$0.87	1.87	$34.37
$37.50	$35.50	Jul 17	$1.26	$1.26	$0.74	1.70	$36.24

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 37 found (avg debit $0.61, cheapest $0.07)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$39.00	Jul 10	Jul 17	$0.12	136.8%	73.4%
$29.50	Jul 10	Jul 17	$0.14	236.3%	74.5%
$38.00	Jul 10	Jul 17	$0.21	123.2%	74.4%
$37.50	Jul 10	Jul 17	$0.22	130.4%	71.4%
$37.00	Jul 10	Jul 17	$0.32	101.9%	73.1%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$27.00	Jul 10	Jul 31	$0.07	348.4%	75.7%
$35.00	Jul 10	Jul 17	$0.21	88.0%	72.6%
$28.00	Jul 10	Jul 24	$0.29	231.2%	82.6%
$30.00	Jul 10	Jul 17	$0.29	124.4%	76.1%
$36.00	Jul 24	Jul 31	$0.38	73.1%	77.6%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 51 found (cheapest 3.49% of stock, avg 13.11%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$33.50	Jul 10	$0.54	$0.62	$1.16	$32.34	$34.66	3.49%
$33.00	Jul 10	$0.81	$0.42	$1.23	$31.77	$34.23	3.70%
$34.00	Jul 10	$0.32	$0.91	$1.23	$32.77	$35.23	3.70%
$34.50	Jul 10	$0.16	$1.29	$1.45	$33.05	$35.95	4.36%
$32.50	Jul 10	$1.19	$0.30	$1.49	$31.01	$33.99	4.48%
$32.00	Jul 10	$1.65	$0.11	$1.76	$30.24	$33.76	5.30%
$35.50	Jul 10	$0.07	$1.90	$1.97	$33.53	$37.47	5.93%
$35.00	Jul 10	$0.11	$2.09	$2.20	$32.80	$37.20	6.62%
$31.50	Jul 10	$2.13	$0.13	$2.26	$29.24	$33.76	6.80%
$31.00	Jul 10	$2.58	$0.10	$2.68	$28.32	$33.68	8.07%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 149 found (cheapest 0.54% of stock, avg 9.05%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$35.50	$32.00	Jul 10	$0.07	$0.11	$0.18	$31.82	$35.68
$35.50	$31.50	Jul 10	$0.07	$0.13	$0.20	$31.30	$35.70
$35.00	$32.00	Jul 10	$0.11	$0.11	$0.22	$31.78	$35.22
$35.00	$31.50	Jul 10	$0.11	$0.13	$0.24	$31.26	$35.24
$34.50	$32.00	Jul 10	$0.16	$0.11	$0.27	$31.73	$34.77
$34.50	$31.50	Jul 10	$0.16	$0.13	$0.29	$31.21	$34.79
$35.50	$29.50	Jul 10	$0.07	$0.28	$0.35	$29.15	$35.85
$35.50	$32.50	Jul 10	$0.07	$0.30	$0.37	$32.13	$35.87
$35.00	$29.50	Jul 10	$0.11	$0.28	$0.39	$29.11	$35.39
$35.00	$32.50	Jul 10	$0.11	$0.30	$0.41	$32.09	$35.41

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 112 found (best R:R 9.00, avg credit $0.76)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
30/31	32/33	Aug 7	$0.90	$0.10	9.00	$30.10	$32.90
31/32	35/36	Aug 14	$0.90	$0.10	9.00	$31.10	$35.90
33/34	35/36	Jul 31	$0.89	$0.11	8.09	$33.11	$35.89
33/34	37/38	Aug 7	$0.89	$0.11	8.09	$33.11	$37.89
31/32	37/38	Aug 7	$0.88	$0.12	7.33	$31.12	$37.88
28/29	32/33	Aug 7	$0.87	$0.13	6.69	$28.13	$32.87
33/34	36/37	Aug 7	$0.86	$0.14	6.14	$33.14	$36.86
30/31	33/34	Aug 7	$0.85	$0.15	5.67	$30.15	$33.85
31/32	36/37	Aug 7	$0.85	$0.15	5.67	$31.15	$36.85
33/34	35/36	Aug 7	$0.85	$0.15	5.67	$33.15	$35.85

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 45 found (best R:R 15.67, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$33.00	$33.50	$34.00	Jul 10	$0.05	$0.45	9.00
$36.00	$37.00	$38.00	Jul 31	$0.10	$0.90	9.00
$33.50	$34.00	$34.50	Jul 10	$0.06	$0.44	7.33
$27.00	$27.50	$28.00	Jul 10	$0.07	$0.43	6.14
$35.50	$36.00	$36.50	Jul 17	$0.07	$0.43	6.14

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$30.00	$31.00	$32.00	Aug 7	$0.06	$0.94	15.67
$30.00	$32.50	$35.00	Aug 21	$0.17	$2.33	13.71
$29.00	$30.00	$31.00	Jul 24	$0.09	$0.91	10.11
$32.00	$33.00	$34.00	Aug 7	$0.09	$0.91	10.11
$27.50	$30.00	$32.50	Aug 21	$0.24	$2.26	9.42

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 $-0.88, 48 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$27.00	$32.00	1:2	Aug 7	-$0.88	$4.12
$33.00	$35.00	1:2	Jul 31	-$0.96	$1.04
$35.00	$37.50	1:2	Aug 21	-$1.73	$0.77
$34.50	$35.00	1:2	Jul 10	-$0.06	$0.44
$38.00	$38.50	1:2	Jul 10	-$0.06	$0.44

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$36.00	$33.50	1:2	Jul 24	-$0.39	$2.11
$30.00	$27.50	1:2	Aug 21	-$0.52	$1.98
$32.50	$30.00	1:2	Aug 21	-$1.22	$1.28
$29.00	$27.50	1:2	Jul 17	-$0.24	$1.26
$32.50	$31.00	1:2	Jul 24	-$0.43	$1.07

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 42 found (best yield 10.23%, avg 3.77%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$35.00	Aug 21	$3.40	0.50	5.3%	10.23%	15.56%	209	648
$34.00	Aug 14	$3.35	0.54	2.3%	10.08%	12.40%	4	3
$34.00	Aug 7	$3.20	0.54	2.3%	9.63%	11.95%	11	--
$35.00	Aug 14	$2.96	0.49	5.3%	8.91%	14.23%	3	6
$35.00	Aug 7	$2.81	0.49	5.3%	8.46%	13.78%	10	157
$36.00	Aug 14	$2.55	0.45	8.3%	7.67%	16.01%	1	1
$37.50	Aug 21	$2.51	0.41	12.8%	7.55%	20.40%	51	225
$36.00	Aug 7	$2.45	0.45	8.3%	7.37%	15.71%	14	70
$37.00	Aug 7	$2.10	0.41	11.3%	6.32%	17.66%	7	--
$38.00	Aug 14	$1.97	0.38	14.3%	5.93%	20.28%	30	4

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 17,020

Total Puts 7,805

Put/Call Ratio 0.46

Net Difference 9,215

Prior's Put/Call Breakdown

Total Calls 8,861

Total Puts 3,030

Put/Call Ratio 0.34

Net Difference 5,831

Prior 7-Day Put/Call Summary

Total Calls 104,315

Total Puts 33,609

Average Put/Call Ratio 0.34

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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