UPST - Options Database

UPST

UPSTART HLDGS INC

$31.46 -3.91%

$31.52 (+0.19%)🌙

as of 07/13 07:09 PM

(7/10 19:12) ◀

Monday, July 13, 2026 (7:09pm)

▶ (7/14 19:34)

◀ 7/13 19:09 ▶

Option Volume

Detail

ℹ

Current (07/13) 16,898

Calls: 9,259 (55%)

Puts: 7,639 (45%)

Prior (07/10) 14,969

Calls: 8,680 (58%)

Puts: 6,289 (42%)

Current vs Prior +12.89%

Calls: +6.67% (Calls)

Puts: +21.47% (Puts)

Prior 7-Day Total 118,780

Calls: 84,230 (71%)

Puts: 34,550 (29%)

Prior 7-Day Average 16,968

Calls: 12,032 (71%)

Puts: 4,935 (29%)

Current vs Prior 7-Day Avg -0.42%

Calls: -23.05%

Puts: +54.77%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/13) $2.98M

Calls: $940.2K (32%)

Puts: $2.04M (68%)

Prior (07/10) $1.73M

Calls: $961.0K (56%)

Puts: $769.4K (44%)

Current vs Prior +72.07%

Calls: -2.16%

Puts: +164.78%

Prior 7-Day Total $19.88M

Calls: $14.36M (72%)

Puts: $5.52M (28%)

Prior 7-Day Average $2.84M

Calls: $2.05M (72%)

Puts: $788.9K (28%)

Current vs Prior 7-Day Avg +4.85%

Calls: -54.16%

Puts: +158.23%

Sentiment BEARISH

Put/Call Ratio

Detail

ℹ

Current (07/13) 0.82

Prior (07/10) 0.72

Current vs Prior +13.87%

Prior 7-Day Average 0.42

Current vs Prior 7-Day Avg +96.60%

Sentiment NEUTRAL

Open Interest

Detail

ℹ

Current (07/13) 161,387

Calls: 96,106 (60%)

Puts: 65,281 (40%)

Prior (07/10) 168,999

Calls: 105,739 (63%)

Puts: 63,260 (37%)

Current vs Prior -4.50%

Prior 7-Day Total 1,170,997

Calls: 804,462 (69%)

Puts: 366,535 (31%)

Prior 7-Day Average 167,285

Calls: 114,923 (69%)

Puts: 52,362 (31%)

Current vs Prior 7-Day Avg -3.53%

Sentiment BEARISH

Expected Move

Detail

ℹ

WKMO Expiry (07/17) | Next (07/24)Expiry (07/17) | Next (08/21)

Current 8.01% | 11.44%8.01% | 24.51%

Prior 8.37% | 11.45%8.37% | 24.37%

Current vs Prior -4.29% | -0.09%-4.29% | +0.55%

Prior 7-Day Avg 6.67% | 11.00%10.29% | 25.15%

Current vs 7-Day Avg +20.06% | +4.07%-22.18% | -2.56%

Prior 7-Day Eod 8.37% | 11.45%8.37% | 24.37%

Current vs 7-Day Eod -4.29% | -0.09%-4.29% | +0.55%

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 bearish flow with 68% put dollar volume ($2.04M). Elevated premium activity with dollar volume up 72% vs prior.

Smart Money BEARISH

Retail Flow BULLISH

Overall BULLISH

Dollar Volume

Option Volume

Put/Call Ratio

Open Interest

Expected Move

Current BEARISH

Prior BULLISH

7-Day Avg BULLISH

Current NEUTRAL

Prior BULLISH

7-Day Avg NEUTRAL

Current NEUTRAL

Prior NEUTRAL

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

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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 18 of results (avg 7.8%, best 4.5%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 24	2.42	2.62	$2.52	7.9%	15	0.66	66
$32.00	Aug 7	3.00	3.25	$3.13	8.0%	2	0.53	67
$31.00	Aug 7	3.45	3.75	$3.60	8.3%	2	0.57	--
$31.00	Jul 24	1.82	1.98	$1.90	8.4%	6	0.56	507
$30.00	Jul 17	1.95	2.13	$2.04	8.8%	5	0.71	1.1K

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$37.50	Aug 21	7.60	7.95	$7.78	4.5%	524	0.66	82
$37.00	Aug 7	6.80	7.20	$7.00	5.7%	2	0.68	7
$32.50	Aug 21	4.20	4.45	$4.33	5.8%	9	0.48	138
$35.00	Aug 7	5.40	5.75	$5.58	6.3%	3	0.61	--
$35.00	Aug 21	5.70	6.10	$5.90	6.8%	4	0.58	271

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 9 found (avg $0.55, cheapest $0.16)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 17	0.15	0.17	$0.16	12.5%	1.1K	0.12	3.8K
$34.00	Jul 17	0.27	0.31	$0.29	13.8%	239	0.20	514
$33.50	Jul 17	0.36	0.41	$0.39	12.8%	184	0.25	627
$35.00	Jul 24	0.46	0.54	$0.50	16.0%	143	0.22	189
$33.00	Jul 17	0.49	0.54	$0.52	9.6%	72	0.31	362

PUTS (1)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$31.00	Jul 17	0.83	0.90	$0.87	8.0%	144	0.42	494

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 48 found (avg delta 0.69, highest 0.97)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$26.50	Jul 17	4.70	5.95	$5.33	23.5%	3	0.93	--
$27.50	Jul 17	3.70	4.20	$3.95	12.7%	2	0.90	629
$28.00	Jul 17	2.84	4.05	$3.45	35.1%	5	0.87	--
$26.00	Aug 7	5.90	7.80	$6.85	27.7%	1	0.79	4
$28.00	Aug 7	4.45	5.45	$4.95	20.2%	1	0.71	6

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$37.50	Jul 17	5.70	6.70	$6.20	16.1%	20	0.97	1.6K
$36.50	Jul 17	3.80	6.35	$5.07	50.3%	5	0.94	20
$36.00	Jul 17	4.05	5.30	$4.68	26.7%	5	0.93	44
$37.00	Jul 17	5.25	6.20	$5.73	16.6%	12	0.93	33
$35.50	Jul 17	3.70	6.10	$4.90	49.0%	10	0.92	134

Most actively traded options today. High liquidity = easy entry/exit. 136 active (total vol 11.2K, top 1.1K)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 17	0.15	0.17	$0.16	12.5%	1.1K	0.12	3.8K
$34.00	Jul 24	0.67	0.77	$0.72	13.9%	643	0.29	292
$36.00	Jul 17	0.07	0.10	$0.09	33.3%	512	0.07	2.0K
$32.50	Jul 17	0.63	0.71	$0.67	11.9%	403	0.37	1.8K
$35.00	Aug 21	2.37	2.59	$2.48	8.9%	259	0.42	840

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$27.00	Jul 17	0.08	0.11	$0.10	30.0%	611	0.06	253
$35.00	Jul 17	3.55	5.00	$4.28	33.9%	544	0.88	806
$27.50	Aug 21	1.69	2.03	$1.86	18.3%	531	0.28	224
$37.50	Aug 21	7.60	7.95	$7.78	4.5%	524	0.66	82
$34.50	Jul 17	2.95	3.75	$3.35	23.9%	507	0.85	48

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 16 strikes (avg 9.2%, max 13.4%)

CALLS (4)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$31.50	Jul 17	Jul 31	87.1%	77.2%	12.9%	231	155
$36.50	Jul 17	Jul 31	89.0%	80.0%	11.2%	54	267
$34.50	Jul 17	Jul 24	83.2%	79.4%	4.8%	194	161
$35.50	Jul 17	Jul 31	82.3%	82.3%	0.1%	177	211

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$26.00	Jul 17	Aug 14	108.8%	95.9%	13.4%	74	109
$30.50	Jul 17	Jul 24	88.1%	77.8%	13.3%	80	998
$28.50	Jul 17	Jul 31	91.7%	81.1%	13.0%	83	28
$31.50	Jul 17	Jul 24	87.1%	77.2%	12.9%	208	609
$29.50	Jul 17	Jul 31	89.6%	80.2%	11.7%	435	41

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 76 found (best R:R 5.25, avg 1.79)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$35.00	$36.00	Aug 14	$0.17	$0.83	$0.17	4.88	$35.17
$33.50	$34.00	Jul 17	$0.10	$0.40	$0.10	4.00	$33.60
$36.50	$37.00	Jul 31	$0.11	$0.39	$0.11	3.55	$36.61
$36.00	$37.00	Aug 7	$0.23	$0.77	$0.23	3.35	$36.23
$35.00	$36.00	Aug 7	$0.24	$0.76	$0.24	3.17	$35.24

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$27.00	$26.00	Jul 24	$0.16	$0.84	$0.16	5.25	$26.84
$27.00	$26.00	Jul 31	$0.17	$0.83	$0.17	4.88	$26.83
$29.50	$29.00	Jul 17	$0.11	$0.39	$0.11	3.55	$29.39
$29.50	$29.00	Jul 24	$0.11	$0.39	$0.11	3.55	$29.39
$28.50	$28.00	Jul 24	$0.12	$0.38	$0.12	3.17	$28.38

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 90 found (best R:R 19.00, avg 1.33)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$26.00	$28.00	Aug 7	$1.90	$1.90	$0.10	19.00	$27.90
$28.00	$30.00	Jul 17	$1.41	$1.41	$0.59	2.39	$29.41
$30.50	$31.00	Jul 17	$0.34	$0.34	$0.16	2.12	$30.84
$30.00	$30.50	Jul 17	$0.33	$0.33	$0.17	1.94	$30.33
$30.00	$31.00	Jul 24	$0.62	$0.62	$0.38	1.63	$30.62

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$37.00	$36.00	Jul 31	$0.88	$0.88	$0.12	7.33	$36.12
$36.00	$33.50	Jul 24	$2.06	$2.06	$0.44	4.68	$33.94
$36.00	$34.50	Jul 31	$1.20	$1.20	$0.30	4.00	$34.80
$36.50	$36.00	Jul 17	$0.39	$0.39	$0.11	3.55	$36.11
$37.50	$35.00	Aug 21	$1.88	$1.88	$0.62	3.03	$35.62

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 36 found (avg debit $0.52, cheapest $0.14)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$37.00	Jul 17	Jul 24	$0.14	102.7%	77.4%
$37.50	Jul 17	Jul 24	$0.16	89.4%	77.9%
$36.50	Jul 17	Jul 24	$0.23	89.0%	78.0%
$36.00	Jul 17	Jul 24	$0.30	86.1%	79.5%
$35.00	Jul 17	Jul 24	$0.34	85.1%	76.3%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$26.00	Jul 17	Jul 24	$0.16	108.8%	86.8%
$28.00	Jul 17	Jul 24	$0.24	100.5%	78.5%
$27.50	Jul 17	Jul 24	$0.25	101.0%	81.3%
$27.00	Jul 17	Jul 24	$0.28	100.3%	87.9%
$28.50	Jul 17	Jul 24	$0.35	91.7%	78.5%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 41 found (cheapest 7.12% of stock, avg 15.79%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$31.00	Jul 17	$1.37	$0.87	$2.24	$28.76	$33.24	7.12%
$31.50	Jul 17	$1.11	$1.15	$2.26	$29.24	$33.76	7.18%
$32.00	Jul 17	$0.87	$1.42	$2.29	$29.71	$34.29	7.28%
$32.50	Jul 17	$0.67	$1.73	$2.40	$30.10	$34.90	7.63%
$30.50	Jul 17	$1.71	$0.72	$2.43	$28.07	$32.93	7.72%
$33.00	Jul 17	$0.52	$2.04	$2.56	$30.44	$35.56	8.14%
$30.00	Jul 17	$2.04	$0.55	$2.59	$27.41	$32.59	8.23%
$33.50	Jul 17	$0.39	$2.50	$2.89	$30.61	$36.39	9.19%
$34.00	Jul 17	$0.29	$2.93	$3.22	$30.78	$37.22	10.24%
$31.50	Jul 24	$1.62	$1.70	$3.32	$28.18	$34.82	10.55%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 121 found (cheapest 2.23% of stock, avg 9.47%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$34.00	$29.50	Jul 17	$0.29	$0.41	$0.70	$28.80	$34.70
$33.50	$29.50	Jul 17	$0.39	$0.41	$0.80	$28.70	$34.30
$34.00	$30.00	Jul 17	$0.29	$0.55	$0.84	$29.16	$34.84
$33.00	$29.50	Jul 17	$0.52	$0.41	$0.93	$28.57	$33.93
$33.50	$30.00	Jul 17	$0.39	$0.55	$0.94	$29.06	$34.44
$34.00	$30.50	Jul 17	$0.29	$0.72	$1.01	$29.49	$35.01
$33.00	$30.00	Jul 17	$0.52	$0.55	$1.07	$28.93	$34.07
$32.50	$29.50	Jul 17	$0.67	$0.41	$1.08	$28.42	$33.58
$33.50	$30.50	Jul 17	$0.39	$0.72	$1.11	$29.39	$34.61
$34.00	$31.00	Jul 17	$0.29	$0.87	$1.16	$29.84	$35.16

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 146 found (best R:R 9.00, avg credit $0.61)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
29/30	33/34	Aug 7	$0.90	$0.10	9.00	$29.10	$33.90
26/27	34/35	Aug 14	$0.88	$0.12	7.33	$26.12	$34.88
28/29	31/32	Aug 7	$0.86	$0.14	6.14	$28.14	$31.86
33/34	36/37	Jul 31	$0.85	$0.15	5.67	$33.15	$37.35
27/28	34/35	Aug 14	$0.85	$0.15	5.67	$27.15	$34.85
31/32	33/34	Jul 31	$0.84	$0.16	5.25	$31.16	$33.84
29/30	34/35	Aug 7	$0.84	$0.16	5.25	$29.16	$34.84
28/29	30/31	Jul 24	$0.81	$0.19	4.26	$28.19	$30.81
30/31	32/33	Jul 31	$0.81	$0.19	4.26	$30.19	$32.81
28/29	33/34	Aug 7	$0.81	$0.19	4.26	$28.19	$33.81

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 31 found (best R:R 15.67, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$33.00	$34.00	$35.00	Aug 7	$0.06	$0.94	15.67
$30.00	$32.50	$35.00	Aug 21	$0.19	$2.31	12.16
$32.00	$32.50	$33.00	Jul 17	$0.05	$0.45	9.00
$32.50	$35.00	$37.50	Aug 21	$0.27	$2.23	8.26
$33.00	$34.00	$35.00	Jul 31	$0.11	$0.89	8.09

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$30.00	$31.00	$32.00	Jul 31	$0.06	$0.94	15.67
$30.00	$32.50	$35.00	Aug 21	$0.21	$2.29	10.90
$28.00	$29.00	$30.00	Aug 7	$0.09	$0.91	10.11
$27.00	$27.50	$28.00	Jul 24	$0.05	$0.45	9.00
$27.00	$28.00	$29.00	Aug 7	$0.10	$0.90	9.00

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 46 found (best net $-0.35, 46 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$28.00	$30.00	1:2	Jul 17	-$0.63	$1.37
$35.00	$37.50	1:2	Aug 21	-$1.22	$1.28
$32.50	$35.00	1:2	Aug 21	-$1.58	$0.92
$28.00	$31.00	1:2	Aug 7	-$2.25	$0.75
$33.00	$34.00	1:2	Jul 24	-$0.41	$0.59

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$34.00	$30.00	1:2	Aug 7	-$0.35	$3.65
$30.00	$27.50	1:2	Aug 21	-$0.75	$1.75
$36.00	$33.50	1:2	Jul 24	-$0.91	$1.59
$27.00	$26.00	1:2	Jul 24	-$0.06	$0.94
$32.50	$30.00	1:2	Aug 21	-$1.61	$0.89

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 44 found (best yield 10.01%, avg 3.62%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$32.50	Aug 21	$3.15	0.52	3.3%	10.01%	13.32%	7	276
$32.00	Aug 14	$3.05	0.53	1.7%	9.69%	11.41%	1	--
$32.00	Aug 7	$3.00	0.53	1.7%	9.54%	11.25%	2	67
$33.00	Aug 7	$2.60	0.48	4.9%	8.26%	13.16%	29	59
$34.00	Aug 14	$2.50	0.45	8.1%	7.95%	16.02%	14	6
$35.00	Aug 21	$2.37	0.42	11.2%	7.53%	18.79%	259	840
$34.00	Aug 7	$2.23	0.44	8.1%	7.09%	15.16%	21	--
$31.50	Jul 31	$2.06	0.53	0.1%	6.55%	6.68%	9	--
$32.00	Jul 31	$1.83	0.49	1.7%	5.82%	7.53%	23	510
$35.00	Aug 7	$1.83	0.39	11.2%	5.82%	17.07%	20	173

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 9,259

Total Puts 7,639

Put/Call Ratio 0.82

Net Difference 1,620

Prior's Put/Call Breakdown

Total Calls 8,680

Total Puts 6,289

Put/Call Ratio 0.72

Net Difference 2,391

Prior 7-Day Put/Call Summary

Total Calls 84,230

Total Puts 34,550

Average Put/Call Ratio 0.42

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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