UPST - Options Database

UPST

UPSTART HLDGS INC

$31.59 -0.41%

$31.63 (+0.14%)🌙

as of 07/15 07:16 PM

(7/14 19:34) ◀

Wednesday, July 15, 2026 (7:16pm)

▶ (7/16 19:09)

◀ 7/15 19:16 ▶

Option Volume

Detail

ℹ

Current (07/15) 8,057

Calls: 5,751 (71%)

Puts: 2,306 (29%)

Prior (07/14) 12,994

Calls: 5,580 (43%)

Puts: 7,414 (57%)

Current vs Prior -37.99%

Calls: +3.06% (Calls)

Puts: -68.90% (Puts)

Prior 7-Day Total 111,503

Calls: 71,440 (64%)

Puts: 40,063 (36%)

Prior 7-Day Average 15,929

Calls: 10,205 (64%)

Puts: 5,723 (36%)

Current vs Prior 7-Day Avg -49.42%

Calls: -43.65%

Puts: -59.71%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/15) $1.21M

Calls: $665.5K (55%)

Puts: $547.2K (45%)

Prior (07/14) $3.61M

Calls: $714.7K (20%)

Puts: $2.90M (80%)

Current vs Prior -66.44%

Calls: -6.87%

Puts: -81.13%

Prior 7-Day Total $19.43M

Calls: $10.41M (54%)

Puts: $9.02M (46%)

Prior 7-Day Average $2.78M

Calls: $1.49M (54%)

Puts: $1.29M (46%)

Current vs Prior 7-Day Avg -56.32%

Calls: -55.27%

Puts: -57.53%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (07/15) 0.40

Prior (07/14) 1.33

Current vs Prior -69.82%

Prior 7-Day Average 0.63

Current vs Prior 7-Day Avg -36.37%

Sentiment BULLISH

Open Interest

Detail

ℹ

Current (07/15) 123,427

Calls: 87,230 (71%)

Puts: 36,197 (29%)

Prior (07/14) 143,041

Calls: 83,448 (58%)

Puts: 59,593 (42%)

Current vs Prior -13.71%

Prior 7-Day Total 1,101,979

Calls: 723,549 (66%)

Puts: 378,430 (34%)

Prior 7-Day Average 157,425

Calls: 103,364 (66%)

Puts: 54,061 (34%)

Current vs Prior 7-Day Avg -21.60%

Sentiment BEARISH

Expected Move

Detail

ℹ

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

Current 6.01% | 10.10%6.01% | 23.96%

Prior 6.75% | 10.69%6.75% | 23.74%

Current vs Prior -10.85% | -5.51%-10.85% | +0.94%

Prior 7-Day Avg 6.86% | 10.95%9.46% | 24.86%

Current vs 7-Day Avg -12.36% | -7.82%-36.42% | -3.59%

Prior 7-Day Eod 6.75% | 10.69%6.75% | 23.74%

Current vs 7-Day Eod -10.85% | -5.51%-10.85% | +0.94%

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

Light premium activity with dollar volume down 66% vs prior. Extreme bullish P/C ratio of 0.40 - heavy call buying (5,751 calls vs 2,306 puts). P/C ratio dropping 70% - sentiment shifting bullish. Call-heavy open interest (87,230 calls vs 36,197 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 BEARISH

7-Day Avg BULLISH

Current BULLISH

Prior BEARISH

7-Day Avg NEUTRAL

Current BULLISH

Prior BEARISH

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

💰

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 18 of results (avg 8.2%, best 5.6%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$31.00	Aug 7	3.45	3.65	$3.55	5.6%	3	0.58	--
$30.50	Jul 24	1.96	2.10	$2.03	6.9%	31	0.64	--
$31.00	Aug 14	3.65	3.95	$3.80	7.9%	16	0.58	--
$32.00	Aug 7	2.99	3.25	$3.12	8.3%	10	0.53	--
$28.00	Aug 14	5.15	5.60	$5.38	8.4%	6	0.71	--

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Aug 7	5.25	5.55	$5.40	5.6%	1	0.61	--
$35.00	Aug 21	5.60	6.05	$5.82	7.7%	14	0.57	272
$35.00	Jul 24	3.70	4.00	$3.85	7.8%	5	0.81	154
$34.00	Jul 24	2.90	3.15	$3.03	8.3%	25	0.73	63
$32.50	Aug 21	4.05	4.40	$4.22	8.3%	21	0.48	158

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 5 found (avg $0.71, cheapest $0.55)

CALLS (4)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$34.00	Jul 24	0.51	0.59	$0.55	14.5%	8	0.27	784
$32.00	Jul 17	0.52	0.60	$0.56	14.3%	124	0.41	324
$31.50	Jul 17	0.77	0.86	$0.82	11.0%	52	0.52	391
$35.00	Jul 31	0.75	0.88	$0.82	15.9%	150	0.28	442

PUTS (1)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 24	0.72	0.85	$0.78	16.7%	7	0.31	387

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 44 found (avg delta 0.72, highest 1.00)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$26.00	Jul 17	4.25	7.20	$5.73	51.5%	2	1.00	--
$26.50	Jul 17	3.80	6.05	$4.93	45.6%	3	1.00	4
$28.00	Jul 17	2.84	4.35	$3.60	41.9%	5	0.97	73
$27.50	Jul 17	3.05	5.05	$4.05	49.4%	7	0.95	628
$27.00	Jul 17	3.05	6.55	$4.80	72.9%	2	0.92	--

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$36.50	Jul 17	3.60	6.40	$5.00	56.0%	2	0.98	22
$37.50	Jul 17	5.30	6.25	$5.78	16.4%	5	0.98	--
$36.00	Jul 17	3.15	5.50	$4.33	54.3%	1	0.96	--
$35.00	Jul 17	3.25	3.80	$3.53	15.6%	5	0.95	--
$36.00	Jul 24	2.61	5.90	$4.26	77.2%	1	0.86	--

Most actively traded options today. High liquidity = easy entry/exit. 127 active (total vol 5.8K, top 558)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 17	0.03	0.05	$0.04	50.0%	558	0.05	4.0K
$34.50	Jul 17	0.05	0.10	$0.08	62.5%	463	0.08	302
$34.00	Jul 17	0.09	0.13	$0.11	36.4%	430	0.12	681
$35.00	Jul 24	0.32	0.40	$0.36	22.2%	324	0.19	308
$33.50	Jul 17	0.15	0.21	$0.18	33.3%	271	0.17	832

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 17	0.18	0.25	$0.22	31.8%	313	0.20	4.6K
$30.50	Jul 17	0.29	0.52	$0.41	56.1%	297	0.30	808
$29.50	Jul 17	0.11	0.20	$0.16	56.2%	208	0.14	441
$27.00	Aug 7	1.17	1.42	$1.30	19.2%	137	0.23	115
$27.00	Jul 31	0.28	0.53	$0.41	61.0%	135	0.15	245

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 24.8%, max 82.9%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$30.50	Jul 17	Jul 24	90.5%	69.2%	30.8%	120	37
$34.50	Jul 17	Jul 24	88.5%	70.6%	25.4%	470	308
$36.50	Jul 17	Jul 31	96.3%	77.5%	24.3%	11	331
$37.50	Jul 17	Aug 21	116.1%	93.8%	23.7%	69	2.0K
$31.50	Jul 17	Jul 24	88.3%	73.9%	19.5%	62	408

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$27.00	Jul 17	Aug 28	158.9%	86.9%	82.9%	4	2
$27.50	Jul 17	Aug 21	124.0%	91.6%	35.4%	49	4.3K
$36.00	Jul 17	Jul 24	99.1%	74.6%	32.8%	2	--
$30.50	Jul 17	Jul 24	90.5%	69.2%	30.8%	299	1.1K
$28.50	Jul 17	Jul 24	90.9%	74.8%	21.5%	10	116

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 68 found (best R:R 9.00, avg 1.96)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$34.00	$35.00	Jul 31	$0.10	$0.90	$0.10	9.00	$34.10
$36.00	$37.00	Aug 7	$0.15	$0.85	$0.15	5.67	$36.15
$33.00	$33.50	Jul 31	$0.11	$0.39	$0.11	3.55	$33.11
$35.00	$35.50	Jul 31	$0.11	$0.39	$0.11	3.55	$35.11
$34.00	$34.50	Jul 24	$0.12	$0.38	$0.12	3.17	$34.12

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$28.00	$26.00	Jul 24	$0.20	$1.80	$0.20	9.00	$27.80
$29.00	$28.00	Jul 31	$0.16	$0.84	$0.16	5.25	$28.84
$30.50	$30.00	Jul 24	$0.11	$0.39	$0.11	3.55	$30.39
$29.00	$28.50	Jul 24	$0.12	$0.38	$0.12	3.17	$28.88
$31.00	$30.50	Jul 17	$0.13	$0.37	$0.13	2.85	$30.87

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 76 found (best R:R 5.25, avg 1.07)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$30.50	$31.00	Jul 17	$0.38	$0.38	$0.12	3.17	$30.88
$33.50	$34.00	Jul 31	$0.38	$0.38	$0.12	3.17	$33.88
$29.00	$30.00	Jul 24	$0.72	$0.72	$0.28	2.57	$29.72
$28.00	$29.50	Jul 17	$0.93	$0.93	$0.57	1.63	$28.93
$31.00	$31.50	Jul 17	$0.31	$0.31	$0.19	1.63	$31.31

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$35.00	$33.50	Jul 17	$1.26	$1.26	$0.24	5.25	$33.74
$35.00	$34.00	Jul 24	$0.82	$0.82	$0.18	4.56	$34.18
$36.00	$35.00	Jul 17	$0.80	$0.80	$0.20	4.00	$35.20
$37.50	$36.50	Jul 17	$0.78	$0.78	$0.22	3.55	$36.72
$34.00	$32.50	Jul 24	$1.05	$1.05	$0.45	2.33	$32.95

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 31 found (avg debit $0.45, cheapest $0.10)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$37.00	Jul 17	Jul 24	$0.10	108.2%	69.4%
$37.50	Jul 17	Jul 24	$0.18	116.1%	84.4%
$36.00	Jul 17	Jul 24	$0.22	99.1%	74.6%
$36.50	Jul 17	Jul 24	$0.22	96.3%	78.3%
$35.50	Jul 17	Jul 24	$0.23	87.8%	70.1%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$26.00	Jul 24	Jul 31	$0.24	86.7%	86.8%
$27.00	Jul 17	Jul 31	$0.27	158.9%	76.2%
$28.00	Jul 17	Jul 24	$0.30	97.1%	79.6%
$28.50	Jul 17	Jul 24	$0.32	90.9%	74.8%
$35.00	Jul 17	Jul 24	$0.32	86.3%	72.3%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 36 found (cheapest 5.13% of stock, avg 13.08%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$31.50	Jul 17	$0.82	$0.80	$1.62	$29.88	$33.12	5.13%
$32.00	Jul 17	$0.56	$1.08	$1.64	$30.36	$33.64	5.19%
$31.00	Jul 17	$1.13	$0.54	$1.67	$29.33	$32.67	5.29%
$32.50	Jul 17	$0.41	$1.41	$1.82	$30.68	$34.32	5.76%
$30.50	Jul 17	$1.51	$0.41	$1.92	$28.58	$32.42	6.08%
$30.00	Jul 17	$1.75	$0.22	$1.97	$28.03	$31.97	6.24%
$33.00	Jul 17	$0.27	$1.81	$2.08	$30.92	$35.08	6.58%
$33.50	Jul 17	$0.18	$2.27	$2.45	$31.05	$35.95	7.76%
$29.50	Jul 17	$2.67	$0.16	$2.83	$26.67	$32.33	8.96%
$30.50	Jul 24	$2.03	$0.89	$2.92	$27.58	$33.42	9.24%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 107 found (cheapest 0.85% of stock, avg 7.70%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$34.00	$29.50	Jul 17	$0.11	$0.16	$0.27	$29.23	$34.27
$34.00	$30.00	Jul 17	$0.11	$0.22	$0.33	$29.67	$34.33
$33.50	$29.50	Jul 17	$0.18	$0.16	$0.34	$29.16	$33.84
$33.50	$30.00	Jul 17	$0.18	$0.22	$0.40	$29.60	$33.90
$33.00	$29.50	Jul 17	$0.27	$0.16	$0.43	$29.07	$33.43
$33.00	$30.00	Jul 17	$0.27	$0.22	$0.49	$29.51	$33.49
$34.00	$30.50	Jul 17	$0.11	$0.41	$0.52	$29.98	$34.52
$32.50	$29.50	Jul 17	$0.41	$0.16	$0.57	$28.93	$33.07
$33.50	$30.50	Jul 17	$0.18	$0.41	$0.59	$29.91	$34.09
$32.50	$30.00	Jul 17	$0.41	$0.22	$0.63	$29.37	$33.13

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 79 found (best R:R 10.11, avg credit $0.74)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
30/32	33/35	Aug 7	$1.82	$0.18	10.11	$30.18	$34.82
29/30	31/32	Aug 7	$0.89	$0.11	8.09	$29.11	$31.89
29/30	32/33	Aug 7	$0.88	$0.12	7.33	$29.12	$32.88
27/28	31/32	Aug 14	$0.88	$0.12	7.33	$27.12	$31.88
30/32	35/38	Aug 21	$2.04	$0.46	4.43	$30.46	$37.04
28/29	30/31	Jul 24	$0.40	$0.10	4.00	$28.60	$30.90
28/30	32/35	Aug 21	$1.98	$0.52	3.81	$28.02	$34.48
29/30	34/34	Jul 31	$0.79	$0.21	3.76	$29.21	$34.29
30/31	32/32	Jul 17	$0.39	$0.11	3.55	$30.61	$31.89
31/32	32/33	Jul 24	$0.39	$0.11	3.55	$31.11	$32.89

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 28 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
$35.00	$36.00	$37.00	Aug 7	$0.09	$0.91	10.11
$31.00	$31.50	$32.00	Jul 17	$0.05	$0.45	9.00
$34.00	$34.50	$35.00	Jul 24	$0.05	$0.45	9.00
$30.00	$32.50	$35.00	Aug 21	$0.26	$2.24	8.62

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$27.50	$30.00	$32.50	Aug 21	$0.16	$2.34	14.62
$27.50	$28.00	$28.50	Jul 17	$0.06	$0.44	7.33
$28.50	$29.00	$29.50	Jul 17	$0.06	$0.44	7.33
$32.50	$33.00	$33.50	Jul 17	$0.06	$0.44	7.33
$30.00	$32.50	$35.00	Aug 21	$0.30	$2.20	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. 46 found (best net $-0.02, 45 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$35.00	$37.50	1:2	Aug 21	-$1.03	$1.47
$32.50	$35.00	1:2	Aug 21	-$1.67	$0.83
$33.00	$35.00	1:2	Aug 7	-$1.18	$0.82
$28.00	$31.00	1:2	Aug 14	-$2.22	$0.78
$34.00	$34.50	1:2	Jul 17	-$0.05	$0.45

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$31.00	$27.00	1:2	Aug 28	-$0.02	$3.98
$35.00	$31.00	1:2	Aug 28	-$1.01	$2.99
$32.50	$30.00	1:2	Jul 31	-$0.04	$2.46
$30.00	$27.50	1:2	Aug 21	-$0.64	$1.86
$29.00	$27.00	1:2	Aug 7	-$0.59	$1.41

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 42 found (best yield 11.40%, avg 4.00%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$32.00	Aug 28	$3.60	0.54	1.3%	11.40%	12.69%	1	--
$32.00	Aug 14	$3.20	0.54	1.3%	10.13%	11.43%	19	2
$32.50	Aug 21	$3.20	0.52	2.9%	10.13%	13.01%	40	282
$33.00	Aug 28	$3.20	0.50	4.5%	10.13%	14.59%	2	--
$32.00	Aug 7	$2.99	0.53	1.3%	9.47%	10.76%	10	--
$34.00	Aug 28	$2.79	0.46	7.6%	8.83%	16.46%	1	--
$33.00	Aug 7	$2.56	0.48	4.5%	8.10%	12.57%	42	--
$35.00	Aug 21	$2.34	0.42	10.8%	7.41%	18.20%	114	816
$34.00	Aug 14	$2.20	0.45	7.6%	6.96%	14.59%	3	--
$35.00	Aug 14	$2.08	0.41	10.8%	6.58%	17.38%	6	23

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 5,751

Total Puts 2,306

Put/Call Ratio 0.40

Net Difference 3,445

Prior's Put/Call Breakdown

Total Calls 5,580

Total Puts 7,414

Put/Call Ratio 1.33

Net Difference -1,834

Prior 7-Day Put/Call Summary

Total Calls 71,440

Total Puts 40,063

Average Put/Call Ratio 0.63

Ratio Trend Falling

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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