UPST - Options Database

UPST

UPSTART HLDGS INC

$32.74 -1.47%

$32.87 (+0.40%)🌙

as of 07/10 07:12 PM

(7/9 19:11) ◀

Friday, July 10, 2026 (7:12pm)

▶ (7/13 19:09)

◀ 7/10 19:12 ▶

Option Volume

Detail

ℹ

Current (07/10) 14,969

Calls: 8,680 (58%)

Puts: 6,289 (42%)

Prior (07/09) 24,825

Calls: 17,020 (69%)

Puts: 7,805 (31%)

Current vs Prior -39.70%

Calls: -49.00% (Calls)

Puts: -19.42% (Puts)

Prior 7-Day Total 130,110

Calls: 94,074 (72%)

Puts: 36,036 (28%)

Prior 7-Day Average 18,587

Calls: 13,439 (72%)

Puts: 5,148 (28%)

Current vs Prior 7-Day Avg -19.47%

Calls: -35.41%

Puts: +22.16%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/10) $1.73M

Calls: $961.0K (56%)

Puts: $769.4K (44%)

Prior (07/09) $3.66M

Calls: $2.60M (71%)

Puts: $1.06M (29%)

Current vs Prior -52.69%

Calls: -62.99%

Puts: -27.48%

Prior 7-Day Total $24.54M

Calls: $18.63M (76%)

Puts: $5.90M (24%)

Prior 7-Day Average $3.51M

Calls: $2.66M (76%)

Puts: $843.5K (24%)

Current vs Prior 7-Day Avg -50.64%

Calls: -63.90%

Puts: -8.79%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (07/10) 0.72

Prior (07/09) 0.46

Current vs Prior +58.00%

Prior 7-Day Average 0.38

Current vs Prior 7-Day Avg +92.63%

Sentiment NEUTRAL

Open Interest

Detail

ℹ

Current (07/10) 168,999

Calls: 105,739 (63%)

Puts: 63,260 (37%)

Prior (07/09) 165,276

Calls: 111,741 (68%)

Puts: 53,535 (32%)

Current vs Prior +2.25%

Prior 7-Day Total 1,172,989

Calls: 812,059 (69%)

Puts: 360,930 (31%)

Prior 7-Day Average 167,569

Calls: 116,008 (69%)

Puts: 51,561 (31%)

Current vs Prior 7-Day Avg +0.85%

Sentiment BEARISH

Expected Move

Detail

ℹ

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

Current 2.17% | 8.37%8.37% | 24.37%

Prior 4.30% | 9.54%9.54% | 24.23%

Current vs Prior +94.48% | +20.07%-12.27% | +0.61%

Prior 7-Day Avg 6.31% | 10.85%10.77% | 25.34%

Current vs 7-Day Avg +32.61% | +5.60%-22.32% | -3.83%

Prior 7-Day Eod 4.30% | 9.54%-- | --

Current vs 7-Day Eod +94.48% | +20.07%-- | --

Sentiment BEARISHBULLISH

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

Add Card

🤖 AI Insights

Light premium activity with dollar volume down 53% vs prior. P/C ratio rising 58% - increased hedging/bearish positioning. Call-heavy open interest (105,739 calls vs 63,260 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 NEUTRAL

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 16 of results (avg 7.4%, best 4.5%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.50	Jul 17	1.31	1.37	$1.34	4.5%	147	0.54	1.8K
$33.00	Jul 17	1.07	1.13	$1.10	5.5%	161	0.48	290
$33.50	Jul 17	0.86	0.91	$0.89	5.6%	48	0.41	624
$34.00	Jul 17	0.68	0.72	$0.70	5.7%	159	0.35	415
$35.00	Jul 17	0.42	0.45	$0.44	6.8%	426	0.25	3.8K

PUTS (2)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.00	Jul 17	0.84	0.89	$0.87	5.7%	406	0.39	706
$33.00	Jul 24	1.83	2.01	$1.92	9.4%	4	0.51	--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 9 found (avg $0.54, cheapest $0.20)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$36.50	Jul 17	0.19	0.21	$0.20	10.0%	61	0.13	242
$36.00	Jul 17	0.23	0.27	$0.25	16.0%	312	0.16	1.8K
$35.50	Jul 17	0.32	0.35	$0.34	8.8%	101	0.20	133
$35.00	Jul 17	0.42	0.45	$0.44	6.8%	426	0.25	3.8K
$34.50	Jul 17	0.48	0.58	$0.53	18.9%	175	0.29	118

PUTS (1)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.00	Jul 17	0.84	0.89	$0.87	5.7%	406	0.39	706

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 57 found (avg delta 0.73, highest 1.00)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.00	Jul 10	0.09	0.83	$0.46	160.9%	34	1.00	347
$30.00	Jul 10	1.76	3.25	$2.51	59.4%	13	0.95	121
$28.00	Jul 10	3.20	5.75	$4.47	57.0%	2	0.94	--
$27.50	Jul 17	4.20	6.40	$5.30	41.5%	13	0.93	630
$28.00	Jul 17	4.05	5.90	$4.97	37.2%	31	0.93	27

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 10	2.13	3.05	$2.59	35.5%	35	0.98	674
$36.00	Jul 10	2.80	4.60	$3.70	48.6%	10	0.98	40
$33.00	Jul 10	0.11	0.87	$0.49	155.1%	157	0.94	851
$34.50	Jul 10	1.45	3.65	$2.55	86.3%	39	0.93	163
$35.50	Jul 10	2.24	4.50	$3.37	67.1%	2	0.92	254

Most actively traded options today. High liquidity = easy entry/exit. 148 active (total vol 10.5K, top 715)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 10	0.00	0.01	$0.01	100.0%	477	0.01	1.2K
$35.00	Jul 17	0.42	0.45	$0.44	6.8%	426	0.25	3.8K
$33.00	Jul 10	0.00	0.01	$0.01	100.0%	407	0.06	300
$38.00	Jul 17	0.06	0.14	$0.10	80.0%	389	0.07	483
$36.00	Jul 17	0.23	0.27	$0.25	16.0%	312	0.16	1.8K

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$28.00	Jul 17	0.04	0.20	$0.12	133.3%	715	0.07	90
$31.50	Jul 17	0.65	0.80	$0.73	20.5%	645	0.33	139
$30.50	Jul 17	0.37	0.50	$0.44	29.5%	570	0.23	216
$28.00	Jul 24	0.27	0.35	$0.31	25.8%	523	0.13	260
$31.00	Jul 24	0.92	1.13	$1.02	20.6%	416	0.33	71

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 34 strikes (avg 1079.8%, max 4224.5%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$28.50	Jul 10	Jul 17	2870.6%	71.1%	3937.2%	4	14
$27.50	Jul 10	Jul 17	3273.4%	86.1%	3701.7%	16	657
$29.50	Jul 10	Jul 17	2385.4%	68.9%	3363.9%	2	--
$29.00	Jul 10	Aug 14	2669.1%	78.6%	3296.7%	2	--
$28.00	Jul 10	Jul 17	1417.4%	79.8%	1676.2%	33	27

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$29.00	Jul 10	Jul 31	2669.1%	61.7%	4224.5%	2	14
$28.00	Jul 10	Aug 14	1417.4%	95.8%	1379.8%	9	19
$36.00	Jul 10	Jul 17	609.3%	68.0%	796.2%	21	75
$30.00	Jul 10	Aug 21	788.0%	89.8%	778.0%	58	644
$31.50	Jul 10	Jul 24	551.6%	71.9%	667.1%	160	211

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 64 found (best R:R 5.67, avg 1.76)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$36.00	$37.00	Jul 24	$0.16	$0.84	$0.16	5.25	$36.16
$37.00	$38.00	Jul 24	$0.19	$0.81	$0.19	4.26	$37.19
$35.00	$36.00	Jul 31	$0.22	$0.78	$0.22	3.55	$35.22
$36.00	$37.00	Jul 31	$0.24	$0.76	$0.24	3.17	$36.24
$37.00	$38.00	Jul 31	$0.24	$0.76	$0.24	3.17	$37.24

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$34.00	$33.00	Aug 7	$0.15	$0.85	$0.15	5.67	$33.85
$30.00	$29.50	Jul 17	$0.10	$0.40	$0.10	4.00	$29.90
$31.00	$30.50	Jul 17	$0.11	$0.39	$0.11	3.55	$30.89
$29.00	$28.50	Jul 17	$0.12	$0.38	$0.12	3.17	$28.88
$30.00	$28.50	Jul 24	$0.38	$1.12	$0.38	2.95	$29.62

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 74 found (best R:R 5.25, avg 1.12)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$29.50	$30.00	Jul 17	$0.40	$0.40	$0.10	4.00	$29.90
$32.00	$32.50	Jul 24	$0.39	$0.39	$0.11	3.55	$32.39
$31.00	$31.50	Jul 10	$0.36	$0.36	$0.14	2.57	$31.36
$31.00	$31.50	Jul 17	$0.34	$0.34	$0.16	2.13	$31.34
$27.50	$28.00	Jul 17	$0.33	$0.33	$0.17	1.94	$27.83

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$37.00	$36.00	Jul 17	$0.84	$0.84	$0.16	5.25	$36.16
$35.00	$34.50	Jul 17	$0.40	$0.40	$0.10	4.00	$34.60
$35.00	$34.00	Jul 31	$0.80	$0.80	$0.20	4.00	$34.20
$33.50	$33.00	Jul 24	$0.36	$0.36	$0.14	2.57	$33.14
$34.00	$33.50	Jul 24	$0.34	$0.34	$0.16	2.13	$33.66

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 36 found (avg debit $0.51, cheapest $0.08)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$29.50	Jul 10	Jul 17	$0.08	2385.4%	68.9%
$37.50	Jul 10	Jul 17	$0.08	875.2%	67.6%
$38.00	Jul 10	Jul 17	$0.09	894.1%	72.5%
$39.00	Jul 17	Jul 24	$0.12	84.4%	72.3%
$37.00	Jul 10	Jul 17	$0.13	692.0%	68.0%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$36.00	Jul 10	Jul 17	$0.18	609.3%	68.0%
$35.00	Jul 10	Jul 17	$0.20	416.6%	68.6%
$27.00	Jul 17	Jul 24	$0.21	82.7%	81.4%
$27.50	Jul 17	Jul 24	$0.21	86.1%	79.9%
$28.50	Jul 17	Jul 24	$0.22	71.1%	67.4%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 48 found (cheapest 0.89% of stock, avg 11.68%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$32.50	Jul 10	$0.22	$0.07	$0.29	$32.21	$32.79	0.89%
$32.00	Jul 10	$0.46	$0.04	$0.50	$31.50	$32.50	1.53%
$33.00	Jul 10	$0.01	$0.49	$0.50	$32.50	$33.50	1.53%
$34.00	Jul 10	$0.26	$0.70	$0.96	$33.04	$34.96	2.93%
$33.50	Jul 10	$0.20	$0.96	$1.16	$32.34	$34.66	3.54%
$31.50	Jul 10	$1.22	$0.14	$1.36	$30.14	$32.86	4.15%
$31.00	Jul 10	$1.58	$0.13	$1.71	$29.29	$32.71	5.22%
$32.50	Jul 17	$1.34	$1.14	$2.48	$30.02	$34.98	7.57%
$33.00	Jul 17	$1.10	$1.40	$2.50	$30.50	$35.50	7.64%
$32.00	Jul 17	$1.67	$0.87	$2.54	$29.46	$34.54	7.76%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 130 found (cheapest 0.24% of stock, avg 7.51%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$34.50	$32.00	Jul 10	$0.04	$0.04	$0.08	$31.92	$34.58
$35.50	$32.00	Jul 10	$0.07	$0.04	$0.11	$31.89	$35.61
$34.50	$32.50	Jul 10	$0.04	$0.07	$0.11	$32.39	$34.61
$35.50	$32.50	Jul 10	$0.07	$0.07	$0.14	$32.36	$35.64
$38.50	$32.00	Jul 10	$0.10	$0.04	$0.14	$31.86	$38.64
$34.50	$31.00	Jul 10	$0.04	$0.13	$0.17	$30.83	$34.67
$38.50	$32.50	Jul 10	$0.10	$0.07	$0.17	$32.33	$38.67
$34.50	$31.50	Jul 10	$0.04	$0.14	$0.18	$31.32	$34.68
$35.50	$31.00	Jul 10	$0.07	$0.13	$0.20	$30.80	$35.70
$35.50	$31.50	Jul 10	$0.07	$0.14	$0.21	$31.29	$35.71

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 65 found (best R:R 12.33, avg credit $0.75)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
34/35	37/39	Aug 7	$1.85	$0.15	12.33	$33.15	$38.85
32/33	35/36	Jul 31	$0.89	$0.11	8.09	$32.11	$35.89
30/30	31/32	Jul 24	$0.82	$0.18	4.56	$29.68	$31.82
30/32	35/38	Aug 21	$2.05	$0.45	4.56	$30.45	$37.05
29/30	34/35	Jul 31	$0.80	$0.20	4.00	$29.20	$34.80
28/31	33/35	Aug 14	$2.40	$0.60	4.00	$28.60	$35.40
30/31	34/35	Jul 31	$0.76	$0.24	3.17	$30.24	$34.76
31/32	33/34	Jul 31	$0.76	$0.24	3.17	$31.24	$33.76
31/32	34/35	Aug 7	$0.75	$0.25	3.00	$31.25	$34.75
33/34	36/37	Jul 31	$0.74	$0.26	2.85	$33.26	$36.74

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 36 found (best R:R 24.00, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$32.50	$35.00	$37.50	Aug 21	$0.10	$2.40	24.00
$32.00	$33.00	$34.00	Aug 7	$0.08	$0.92	11.50
$37.00	$38.00	$39.00	Jul 24	$0.10	$0.90	9.00
$34.00	$35.00	$36.00	Jul 31	$0.10	$0.90	9.00
$27.50	$28.00	$28.50	Jul 10	$0.06	$0.44	7.33

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$32.50	$33.00	$33.50	Jul 10	$0.05	$0.45	9.00
$30.00	$32.50	$35.00	Aug 21	$0.25	$2.25	9.00
$27.50	$30.00	$32.50	Aug 21	$0.31	$2.19	7.06
$30.50	$31.00	$31.50	Jul 17	$0.07	$0.43	6.14
$34.00	$34.50	$35.00	Jul 17	$0.10	$0.40	4.00

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 $-0.21, 51 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$29.00	$33.00	1:2	Aug 14	-$2.06	$1.94
$37.00	$39.00	1:2	Aug 7	-$0.45	$1.55
$35.00	$37.50	1:2	Aug 21	-$1.60	$0.90
$38.00	$39.00	1:2	Jul 17	-$0.14	$0.86
$37.00	$38.00	1:2	Jul 24	-$0.14	$0.86

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$31.00	$28.00	1:2	Aug 14	-$0.21	$2.79
$30.00	$27.50	1:2	Aug 21	-$0.75	$1.75
$32.50	$30.00	1:2	Aug 21	-$1.38	$1.12
$30.00	$29.00	1:2	Jul 31	-$0.05	$0.95
$28.00	$27.00	1:2	Jul 31	-$0.35	$0.65

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 35 found (best yield 10.08%, avg 3.65%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$33.00	Aug 14	$3.30	0.55	0.8%	10.08%	10.87%	2	106
$33.00	Aug 7	$3.10	0.54	0.8%	9.47%	10.26%	3	--
$35.00	Aug 21	$3.00	0.47	6.9%	9.16%	16.07%	35	830
$34.00	Aug 7	$2.67	0.49	3.9%	8.16%	12.00%	2	68
$35.00	Aug 14	$2.46	0.46	6.9%	7.51%	14.42%	3	7
$35.00	Aug 7	$2.29	0.45	6.9%	6.99%	13.90%	30	149
$37.50	Aug 21	$2.21	0.39	14.5%	6.75%	21.29%	15	234
$33.00	Jul 31	$2.05	0.52	0.8%	6.26%	7.06%	5	67
$36.00	Aug 7	$1.86	0.41	10.0%	5.68%	15.64%	1	71
$37.00	Aug 14	$1.74	0.39	13.0%	5.31%	18.33%	1	4

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 8,680

Total Puts 6,289

Put/Call Ratio 0.72

Net Difference 2,391

Prior's Put/Call Breakdown

Total Calls 17,020

Total Puts 7,805

Put/Call Ratio 0.46

Net Difference 9,215

Prior 7-Day Put/Call Summary

Total Calls 94,074

Total Puts 36,036

Average Put/Call Ratio 0.38

Ratio Trend Rising

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