UPST - Options Database

UPST

UPSTART HLDGS INC

$31.72 +0.83%

$31.66 (-0.19%)🌙

as of 07/14 07:34 PM

(7/13 19:09) ◀

Tuesday, July 14, 2026 (7:34pm)

▶ (7/15 19:16)

◀ 7/14 19:34 ▶

Option Volume

Detail

ℹ

Current (07/14) 12,994

Calls: 5,580 (43%)

Puts: 7,414 (57%)

Prior (07/13) 16,898

Calls: 9,259 (55%)

Puts: 7,639 (45%)

Current vs Prior -23.10%

Calls: -39.73% (Calls)

Puts: -2.95% (Puts)

Prior 7-Day Total 114,571

Calls: 78,410 (68%)

Puts: 36,161 (32%)

Prior 7-Day Average 16,367

Calls: 11,201 (68%)

Puts: 5,165 (32%)

Current vs Prior 7-Day Avg -20.61%

Calls: -50.18%

Puts: +43.52%

Sentiment BEARISH

Dollar Volume

Detail

ℹ

Current (07/14) $3.61M

Calls: $714.7K (20%)

Puts: $2.90M (80%)

Prior (07/13) $2.98M

Calls: $940.2K (32%)

Puts: $2.04M (68%)

Current vs Prior +21.37%

Calls: -23.99%

Puts: +42.31%

Prior 7-Day Total $19.29M

Calls: $12.37M (64%)

Puts: $6.92M (36%)

Prior 7-Day Average $2.76M

Calls: $1.77M (64%)

Puts: $989.1K (36%)

Current vs Prior 7-Day Avg +31.12%

Calls: -59.56%

Puts: +193.11%

Sentiment BEARISH

Put/Call Ratio

Detail

ℹ

Current (07/14) 1.33

Prior (07/13) 0.82

Current vs Prior +61.04%

Prior 7-Day Average 0.48

Current vs Prior 7-Day Avg +176.59%

Sentiment BEARISH

Open Interest

Detail

ℹ

Current (07/14) 143,041

Calls: 83,448 (58%)

Puts: 59,593 (42%)

Prior (07/13) 161,387

Calls: 96,106 (60%)

Puts: 65,281 (40%)

Current vs Prior -11.37%

Prior 7-Day Total 1,139,252

Calls: 767,656 (67%)

Puts: 371,596 (33%)

Prior 7-Day Average 162,750

Calls: 109,665 (67%)

Puts: 53,085 (33%)

Current vs Prior 7-Day Avg -12.11%

Sentiment BEARISH

Expected Move

Detail

ℹ

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

Current 6.75% | 10.69%6.75% | 23.74%

Prior 8.01% | 11.44%8.01% | 24.51%

Current vs Prior -15.78% | -6.61%-15.78% | -3.13%

Prior 7-Day Avg 7.19% | 11.24%9.91% | 25.04%

Current vs 7-Day Avg -6.20% | -4.91%-31.94% | -5.21%

Prior 7-Day Eod 8.01% | 11.44%8.01% | 24.51%

Current vs 7-Day Eod -15.78% | -6.61%-15.78% | -3.13%

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

Strong bearish conviction with 80% of dollar volume in puts ($2.90M) vs calls ($714.7K). Bearish P/C ratio of 1.33 indicates protective positioning. P/C ratio rising 61% - increased hedging/bearish positioning.

Smart Money BEARISH

Retail Flow BEARISH

Overall BEARISH

Dollar Volume

Option Volume

Put/Call Ratio

Open Interest

Expected Move

Current BEARISH

Prior BEARISH

7-Day Avg BULLISH

Current BEARISH

Prior NEUTRAL

7-Day Avg NEUTRAL

Current BEARISH

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

🎯

Tightest Spreads

💰

Best Value <$1

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High Delta

⚖️

Ratio Spreads

🛡️

Covered Calls

Options with the tightest bid-ask spreads (<10%). Lower spreads = better fills and less slippage. Showing top 6 of results (avg 8.3%, best 5.9%)

CALLS (4)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Aug 21	2.48	2.63	$2.55	5.9%	57	0.42	801
$33.00	Aug 7	2.74	2.93	$2.84	6.7%	2	0.49	82
$35.00	Jul 31	0.83	0.91	$0.87	9.2%	20	0.29	443
$32.00	Jul 17	0.77	0.85	$0.81	9.9%	193	0.46	324

PUTS (2)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Aug 21	5.50	6.00	$5.75	8.7%	1	0.57	--
$32.00	Aug 28	3.90	4.30	$4.10	9.8%	2	0.45	--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 4 found (avg $0.56, cheapest $0.06)

CALLS (4)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$36.00	Jul 17	0.05	0.06	$0.06	16.7%	216	0.05	2.2K
$35.00	Jul 24	0.44	0.51	$0.48	14.6%	99	0.22	243
$32.00	Jul 17	0.77	0.85	$0.81	9.9%	193	0.46	324
$35.00	Jul 31	0.83	0.91	$0.87	9.2%	20	0.29	443

PUTS (0)

No puts meet the criteria

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 52 found (avg delta 0.71, highest 0.97)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$26.00	Jul 17	4.20	6.90	$5.55	48.6%	4	0.94	--
$28.00	Jul 17	3.15	4.80	$3.97	41.6%	13	0.94	63
$26.50	Jul 17	4.55	6.30	$5.43	32.2%	2	0.92	3
$28.50	Jul 17	2.74	3.50	$3.12	24.4%	1	0.92	--
$27.50	Jul 17	3.75	5.30	$4.53	34.2%	10	0.92	--

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$37.50	Jul 17	5.30	6.75	$6.03	24.0%	1.2K	0.97	1.6K
$37.00	Jul 17	4.30	6.10	$5.20	34.6%	1	0.96	43
$36.00	Jul 17	3.85	4.85	$4.35	23.0%	1	0.94	46
$35.50	Jul 17	2.97	4.60	$3.79	43.0%	1	0.93	130
$35.00	Jul 17	2.89	4.10	$3.50	34.6%	38	0.90	361

Most actively traded options today. High liquidity = easy entry/exit. 147 active (total vol 6.2K, top 1.2K)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 17	0.09	0.12	$0.11	27.3%	613	0.10	4.1K
$34.00	Jul 17	0.19	0.25	$0.22	27.3%	306	0.18	620
$33.00	Jul 17	0.38	0.48	$0.43	23.3%	302	0.30	390
$36.00	Jul 17	0.05	0.06	$0.06	16.7%	216	0.05	2.2K
$33.50	Jul 17	0.25	0.35	$0.30	33.3%	196	0.23	743

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$37.50	Jul 17	5.30	6.75	$6.03	24.0%	1.2K	0.97	1.6K
$30.00	Jul 24	0.64	0.98	$0.81	42.0%	222	0.31	205
$30.00	Jul 17	0.15	0.48	$0.32	103.1%	125	0.22	4.5K
$32.00	Jul 31	2.01	2.45	$2.23	19.7%	77	0.50	--
$29.50	Jul 17	0.05	0.37	$0.21	152.4%	69	0.16	375

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 16.0%, max 61.1%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$26.00	Jul 17	Aug 7	131.7%	103.3%	27.5%	6	4
$36.50	Jul 17	Jul 31	88.9%	75.3%	18.1%	125	303
$38.00	Jul 17	Aug 14	108.8%	93.7%	16.1%	44	647
$35.50	Jul 17	Jul 31	83.7%	72.6%	15.2%	75	1
$28.00	Jul 17	Jul 24	90.1%	78.9%	14.2%	22	69

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$26.00	Jul 17	Jul 31	131.7%	81.8%	61.1%	64	104
$27.00	Jul 17	Aug 28	123.1%	90.1%	36.7%	11	820
$37.00	Jul 17	Jul 24	95.6%	74.2%	28.9%	3	57
$27.50	Jul 17	Aug 21	115.7%	91.8%	26.0%	40	3.6K
$36.00	Jul 17	Jul 24	87.1%	73.9%	17.8%	2	46

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 89 found (best R:R 6.69, avg 1.67)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$37.00	$38.00	Jul 31	$0.13	$0.87	$0.13	6.69	$37.13
$35.00	$36.00	Aug 7	$0.23	$0.77	$0.23	3.35	$35.23
$26.00	$26.50	Jul 17	$0.12	$0.38	$0.12	3.17	$26.12
$36.00	$38.00	Aug 14	$0.48	$1.52	$0.48	3.17	$36.48
$37.00	$38.00	Aug 7	$0.25	$0.75	$0.25	3.00	$37.25

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$28.50	$27.50	Jul 24	$0.14	$0.86	$0.14	6.14	$28.36
$29.50	$28.50	Jul 24	$0.20	$0.80	$0.20	4.00	$29.30
$30.00	$29.50	Jul 17	$0.11	$0.39	$0.11	3.55	$29.89
$30.50	$30.00	Jul 17	$0.13	$0.37	$0.13	2.85	$30.37
$27.50	$27.00	Jul 31	$0.14	$0.36	$0.14	2.57	$27.36

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 96 found (best R:R 10.54, avg 1.21)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$26.50	$27.50	Jul 17	$0.90	$0.90	$0.10	9.00	$27.40
$28.00	$30.00	Jul 24	$1.68	$1.68	$0.32	5.25	$29.68
$26.00	$30.00	Jul 31	$3.04	$3.04	$0.96	3.17	$29.04
$32.00	$32.50	Jul 24	$0.33	$0.33	$0.17	1.94	$32.33
$30.50	$31.00	Jul 17	$0.32	$0.32	$0.18	1.78	$30.82

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$35.00	$33.50	Jul 17	$1.37	$1.37	$0.13	10.54	$33.63
$37.00	$36.00	Jul 17	$0.85	$0.85	$0.15	5.67	$36.15
$33.50	$33.00	Jul 24	$0.37	$0.37	$0.13	2.85	$33.13
$35.00	$33.50	Jul 24	$1.05	$1.05	$0.45	2.33	$33.95
$34.50	$32.00	Jul 31	$1.67	$1.67	$0.83	2.01	$32.83

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 40 found (avg debit $0.62, cheapest $0.09)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$38.00	Jul 17	Jul 24	$0.09	108.8%	75.2%
$37.00	Jul 17	Jul 24	$0.16	95.6%	74.2%
$36.50	Jul 17	Jul 24	$0.21	88.9%	74.7%
$28.00	Jul 17	Jul 24	$0.22	90.1%	78.9%
$36.00	Jul 17	Jul 24	$0.24	87.1%	73.9%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$27.00	Jul 17	Jul 24	$0.10	123.1%	78.6%
$27.50	Jul 17	Jul 24	$0.17	115.7%	79.5%
$26.00	Jul 17	Jul 31	$0.27	131.7%	81.8%
$35.00	Jul 17	Jul 24	$0.28	83.5%	75.1%
$36.00	Jul 17	Jul 24	$0.30	87.1%	73.9%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 46 found (cheapest 5.93% of stock, avg 14.72%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$31.50	Jul 17	$1.03	$0.85	$1.88	$29.62	$33.38	5.93%
$32.00	Jul 17	$0.81	$1.11	$1.92	$30.08	$33.92	6.05%
$31.00	Jul 17	$1.32	$0.65	$1.97	$29.03	$32.97	6.21%
$32.50	Jul 17	$0.59	$1.41	$2.00	$30.50	$34.50	6.31%
$30.50	Jul 17	$1.64	$0.45	$2.09	$28.41	$32.59	6.59%
$33.00	Jul 17	$0.43	$1.71	$2.14	$30.86	$35.14	6.75%
$30.00	Jul 17	$1.93	$0.32	$2.25	$27.75	$32.25	7.09%
$29.50	Jul 17	$2.22	$0.21	$2.43	$27.07	$31.93	7.66%
$33.50	Jul 17	$0.30	$2.13	$2.43	$31.07	$35.93	7.66%
$29.00	Jul 17	$2.94	$0.13	$3.07	$25.93	$32.07	9.68%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 124 found (cheapest 1.36% of stock, avg 9.68%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$34.00	$29.50	Jul 17	$0.22	$0.21	$0.43	$29.07	$34.43
$33.50	$29.50	Jul 17	$0.30	$0.21	$0.51	$28.99	$34.01
$34.00	$30.00	Jul 17	$0.22	$0.32	$0.54	$29.46	$34.54
$33.50	$30.00	Jul 17	$0.30	$0.32	$0.62	$29.38	$34.12
$33.00	$29.50	Jul 17	$0.43	$0.21	$0.64	$28.86	$33.64
$34.00	$30.50	Jul 17	$0.22	$0.45	$0.67	$29.83	$34.67
$33.00	$30.00	Jul 17	$0.43	$0.32	$0.75	$29.25	$33.75
$33.50	$30.50	Jul 17	$0.30	$0.45	$0.75	$29.75	$34.25
$32.50	$29.50	Jul 17	$0.59	$0.21	$0.80	$28.70	$33.30
$34.00	$31.00	Jul 17	$0.22	$0.65	$0.87	$30.13	$34.87

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 120 found (best R:R 5.67, avg credit $0.80)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
31/32	36/37	Aug 7	$0.85	$0.15	5.67	$31.15	$36.85
30/32	35/38	Aug 21	$2.12	$0.38	5.58	$30.38	$37.12
28/30	30/31	Jul 24	$0.84	$0.16	5.25	$28.66	$30.84
30/31	33/34	Jul 31	$0.84	$0.16	5.25	$30.16	$33.84
32/33	36/37	Aug 7	$0.84	$0.16	5.25	$32.16	$36.84
31/32	37/38	Aug 7	$0.83	$0.17	4.88	$31.17	$37.83
30/31	34/35	Jul 31	$0.82	$0.18	4.56	$30.18	$34.82
32/33	37/38	Aug 7	$0.82	$0.18	4.56	$32.18	$37.82
31/32	35/36	Aug 7	$0.81	$0.19	4.26	$31.19	$35.81
31/32	33/35	Aug 28	$1.62	$0.38	4.26	$30.38	$34.62

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 29 found (best R:R 24.00, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$31.00	$33.00	$35.00	Aug 7	$0.08	$1.92	24.00
$29.00	$31.00	$33.00	Aug 7	$0.17	$1.83	10.76
$33.00	$33.50	$34.00	Jul 17	$0.05	$0.45	9.00
$32.00	$32.50	$33.00	Jul 17	$0.06	$0.44	7.33
$31.00	$31.50	$32.00	Jul 17	$0.07	$0.43	6.14

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$27.50	$28.50	$29.50	Jul 24	$0.06	$0.94	15.67
$30.00	$32.50	$35.00	Aug 21	$0.19	$2.31	12.16
$30.00	$31.00	$32.00	Aug 7	$0.10	$0.90	9.00
$31.00	$31.50	$32.00	Jul 17	$0.06	$0.44	7.33
$27.00	$28.00	$29.00	Aug 7	$0.12	$0.88	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. 53 found (best net $-0.48, 51 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$30.00	$34.00	1:2	Aug 14	-$0.48	$3.52
$35.00	$37.50	1:2	Aug 21	-$1.03	$1.47
$28.00	$30.00	1:2	Jul 24	-$0.83	$1.17
$36.00	$38.00	1:2	Aug 14	-$0.91	$1.09
$37.00	$38.00	1:2	Jul 24	-$0.06	$0.94

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$34.50	$32.00	1:2	Jul 31	-$0.56	$1.94
$30.00	$27.50	1:2	Aug 21	-$0.82	$1.68
$29.00	$27.00	1:2	Aug 14	-$0.61	$1.39
$29.50	$28.00	1:2	Jul 31	-$0.27	$1.23
$32.50	$30.00	1:2	Aug 21	-$1.48	$1.02

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 46 found (best yield 11.03%, avg 3.51%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$32.00	Aug 28	$3.50	0.55	0.9%	11.03%	11.92%	2	--
$32.50	Aug 21	$3.10	0.52	2.5%	9.77%	12.23%	3	--
$33.00	Aug 28	$3.05	0.52	4.0%	9.62%	13.65%	2	--
$33.00	Aug 7	$2.74	0.49	4.0%	8.64%	12.67%	2	82
$35.00	Aug 21	$2.48	0.42	10.3%	7.82%	18.16%	57	801
$35.00	Aug 28	$2.40	0.43	10.3%	7.57%	17.91%	1	--
$34.00	Aug 14	$2.05	0.45	7.2%	6.46%	13.65%	2	--
$37.00	Aug 28	$1.99	0.37	16.6%	6.27%	22.92%	10	--
$35.00	Aug 14	$1.90	0.40	10.3%	5.99%	16.33%	12	--
$35.00	Aug 7	$1.82	0.39	10.3%	5.74%	16.08%	12	182

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 5,580

Total Puts 7,414

Put/Call Ratio 1.33

Net Difference -1,834

Prior's Put/Call Breakdown

Total Calls 9,259

Total Puts 7,639

Put/Call Ratio 0.82

Net Difference 1,620

Prior 7-Day Put/Call Summary

Total Calls 78,410

Total Puts 36,161

Average Put/Call Ratio 0.48

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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