UPST - Options Database

UPST

UPSTART HLDGS INC

$29.51 -4.44%

$29.48 (-0.10%)🌙

as of 07/17 07:26 PM

(7/16 19:09) ◀

Friday, July 17, 2026 (7:26pm)

▶

◀ 7/17 19:26

Option Volume

Detail

ℹ

Current (07/17) 19,757

Calls: 11,245 (57%)

Puts: 8,512 (43%)

Prior (07/16) 14,481

Calls: 6,560 (45%)

Puts: 7,921 (55%)

Current vs Prior +36.43%

Calls: +71.42% (Calls)

Puts: +7.46% (Puts)

Prior 7-Day Total 104,115

Calls: 61,711 (59%)

Puts: 42,404 (41%)

Prior 7-Day Average 14,873

Calls: 8,815 (59%)

Puts: 6,057 (41%)

Current vs Prior 7-Day Avg +32.83%

Calls: +27.55%

Puts: +40.52%

Sentiment BULLISH

Dollar Volume

Detail

ℹ

Current (07/17) $4.51M

Calls: $2.27M (50%)

Puts: $2.25M (50%)

Prior (07/16) $4.39M

Calls: $770.1K (18%)

Puts: $3.62M (82%)

Current vs Prior +2.74%

Calls: +194.35%

Puts: -38.01%

Prior 7-Day Total $19.84M

Calls: $8.28M (42%)

Puts: $11.56M (58%)

Prior 7-Day Average $2.83M

Calls: $1.18M (42%)

Puts: $1.65M (58%)

Current vs Prior 7-Day Avg +59.19%

Calls: +91.55%

Puts: +36.00%

Sentiment BULLISH

Put/Call Ratio

Detail

ℹ

Current (07/17) 0.76

Prior (07/16) 1.21

Current vs Prior -37.31%

Prior 7-Day Average 0.76

Current vs Prior 7-Day Avg +0.22%

Sentiment NEUTRAL

Open Interest

Detail

ℹ

Current (07/17) 189,562

Calls: 118,935 (63%)

Puts: 70,627 (37%)

Prior (07/16) 157,672

Calls: 98,690 (63%)

Puts: 58,982 (37%)

Current vs Prior +20.23%

Prior 7-Day Total 1,079,325

Calls: 701,777 (65%)

Puts: 377,548 (35%)

Prior 7-Day Average 154,189

Calls: 100,253 (65%)

Puts: 53,935 (35%)

Current vs Prior 7-Day Avg +22.94%

Sentiment BEARISH

Expected Move

Detail

ℹ

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

Current 2.10% | 8.88%2.10% | 22.70%

Prior 4.02% | 8.97%4.02% | 22.05%

Current vs Prior +121.10% | +39.78%-47.68% | +2.95%

Prior 7-Day Avg 6.18% | 10.39%7.61% | 24.10%

Current vs 7-Day Avg +43.61% | +20.63%-72.39% | -5.81%

Prior 7-Day Eod 4.02% | 8.97%4.02% | 22.05%

Current vs 7-Day Eod +121.10% | +39.78%-47.68% | +2.95%

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

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🤖 AI Insights

Dollar volume significantly above 7-day average (59% higher). P/C ratio dropping 37% - sentiment shifting bullish. Call-heavy open interest (118,935 calls vs 70,627 puts) suggests bullish positioning. Rising open interest (up 20%) indicates new positions being established.

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 BEARISH

Current BULLISH

Prior NEUTRAL

7-Day Avg NEUTRAL

Current NEUTRAL

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

🎯

Tightest Spreads

💰

Best Value <$1

📊

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 25 of results (avg 7.0%, best 2.9%)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$32.50	Aug 21	2.18	2.31	$2.25	5.8%	154	0.43	292
$30.00	Aug 21	3.10	3.30	$3.20	6.2%	201	0.54	139
$26.00	Aug 7	4.75	5.15	$4.95	8.1%	1	0.74	--
$28.00	Jul 24	2.02	2.20	$2.11	8.5%	39	0.72	14
$26.00	Aug 14	4.95	5.40	$5.18	8.7%	1	0.74	--

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Aug 21	3.45	3.55	$3.50	2.9%	634	0.46	151
$35.00	Aug 21	6.85	7.05	$6.95	2.9%	491	0.67	274
$32.50	Aug 21	5.00	5.15	$5.08	3.0%	103	0.57	180
$31.50	Jul 24	2.35	2.48	$2.42	5.4%	7	0.72	57
$33.00	Aug 14	5.10	5.40	$5.25	5.7%	9	0.61	--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 3 found (avg $0.90, cheapest $0.82)

CALLS (1)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$31.50	Jul 31	0.90	1.07	$0.99	17.2%	1	0.36	--

PUTS (2)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$27.50	Jul 31	0.76	0.88	$0.82	14.6%	19	0.28	447
$29.00	Jul 24	0.82	0.98	$0.90	17.8%	819	0.41	190

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 66 found (avg delta 0.73, highest 1.00)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$27.50	Jul 17	0.83	3.50	$2.17	123.0%	54	0.99	627
$28.00	Jul 17	0.36	2.74	$1.55	153.5%	80	0.98	83
$28.50	Jul 17	0.48	3.00	$1.74	144.8%	40	0.96	2
$26.00	Jul 24	2.18	5.70	$3.94	89.3%	2	0.91	--
$27.00	Jul 17	1.58	4.55	$3.07	96.7%	1	0.89	5

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$31.00	Jul 17	0.15	2.14	$1.15	173.0%	90	1.00	628
$31.50	Jul 17	1.86	2.06	$1.96	10.2%	59	1.00	725
$32.00	Jul 17	2.16	4.15	$3.16	63.0%	47	1.00	864
$32.50	Jul 17	2.31	3.25	$2.78	33.8%	217	1.00	3.2K
$33.00	Jul 17	1.80	5.15	$3.48	96.3%	24	1.00	288

Most actively traded options today. High liquidity = easy entry/exit. 158 active (total vol 12.2K, top 1.6K)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 17	0.00	0.05	$0.03	166.7%	396	0.13	974
$35.00	Jul 24	0.01	0.10	$0.06	150.0%	374	0.05	580
$31.00	Jul 31	1.04	1.26	$1.15	19.1%	293	0.41	44
$32.00	Aug 7	1.52	2.17	$1.85	35.1%	238	0.42	69
$30.00	Jul 24	0.91	1.09	$1.00	18.0%	224	0.46	166

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 17	0.34	0.61	$0.48	56.2%	1.6K	0.93	4.7K
$29.00	Jul 24	0.82	0.98	$0.90	17.8%	819	0.41	190
$30.00	Aug 21	3.45	3.55	$3.50	2.9%	634	0.46	151
$29.00	Jul 17	0.00	0.15	$0.08	187.5%	494	0.20	299
$35.00	Aug 21	6.85	7.05	$6.95	2.9%	491	0.67	274

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 33 strikes (avg 798.1%, max 3565.3%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$33.50	Jul 17	Jul 31	2717.9%	74.2%	3565.3%	14	956
$26.00	Jul 17	Aug 14	2729.4%	94.7%	2782.9%	4	7
$25.00	Jul 17	Aug 7	2447.9%	103.6%	2263.3%	55	357
$27.00	Jul 17	Jul 24	1032.1%	64.4%	1502.4%	3	5
$34.50	Jul 17	Jul 31	1193.7%	76.1%	1468.8%	159	652

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$25.00	Jul 17	Aug 28	2447.9%	89.6%	2630.9%	4	1.4K
$27.00	Jul 17	Aug 28	1032.1%	89.4%	1054.8%	3	823
$35.00	Jul 17	Aug 21	911.5%	93.9%	870.7%	492	324
$33.00	Jul 17	Aug 14	767.0%	96.5%	695.0%	33	288
$34.00	Jul 17	Aug 7	774.0%	102.9%	652.5%	4	153

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 77 found (best R:R 4.56, avg 1.67)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$32.00	$33.00	Aug 7	$0.18	$0.82	$0.18	4.56	$32.18
$31.00	$32.00	Aug 14	$0.18	$0.82	$0.18	4.56	$31.18
$33.50	$34.00	Jul 24	$0.10	$0.40	$0.10	4.00	$33.60
$29.50	$30.00	Jul 17	$0.11	$0.39	$0.11	3.55	$29.61
$33.00	$33.50	Jul 31	$0.11	$0.39	$0.11	3.55	$33.11

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$27.00	$26.00	Jul 31	$0.25	$0.75	$0.25	3.00	$26.75
$26.00	$25.00	Aug 14	$0.26	$0.74	$0.26	2.85	$25.74
$28.50	$28.00	Jul 24	$0.14	$0.36	$0.14	2.57	$28.36
$26.00	$25.00	Aug 7	$0.29	$0.71	$0.29	2.45	$25.71
$28.00	$27.00	Aug 28	$0.30	$0.70	$0.30	2.33	$27.70

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 92 found (best R:R 12.64, avg 1.24)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$25.00	$26.00	Aug 7	$0.75	$0.75	$0.25	3.00	$25.75
$28.00	$28.50	Jul 24	$0.35	$0.35	$0.15	2.33	$28.35
$30.00	$31.00	Aug 14	$0.68	$0.68	$0.32	2.13	$30.68
$26.00	$29.00	Aug 7	$1.75	$1.75	$1.25	1.40	$27.75
$28.50	$29.00	Jul 24	$0.29	$0.29	$0.21	1.38	$28.79

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$34.00	$32.50	Jul 31	$1.39	$1.39	$0.11	12.64	$32.61
$33.50	$33.00	Jul 17	$0.40	$0.40	$0.10	4.00	$33.10
$35.00	$34.00	Jul 31	$0.78	$0.78	$0.22	3.55	$34.22
$30.00	$29.50	Jul 17	$0.38	$0.38	$0.12	3.17	$29.62
$34.00	$33.00	Aug 7	$0.75	$0.75	$0.25	3.00	$33.25

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 29 found (avg debit $0.53, cheapest $0.06)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$34.00	Jul 17	Jul 24	$0.14	774.0%	77.5%
$33.00	Jul 17	Jul 24	$0.21	767.0%	74.4%
$32.00	Jul 17	Jul 24	$0.27	474.8%	65.2%
$32.50	Jul 17	Jul 24	$0.28	648.2%	73.6%
$27.00	Jul 17	Jul 24	$0.36	1032.1%	64.4%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$27.00	Jul 17	Jul 24	$0.06	1032.1%	64.4%
$26.00	Jul 24	Jul 31	$0.22	71.8%	70.4%
$34.00	Jul 17	Jul 31	$0.25	774.0%	74.0%
$25.50	Jul 24	Jul 31	$0.28	68.5%	77.3%
$30.50	Jul 17	Jul 24	$0.32	422.1%	73.3%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 59 found (cheapest 0.81% of stock, avg 14.78%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$29.50	Jul 17	$0.14	$0.10	$0.24	$29.26	$29.74	0.81%
$30.00	Jul 17	$0.03	$0.48	$0.51	$29.49	$30.51	1.73%
$29.00	Jul 17	$0.94	$0.08	$1.02	$27.98	$30.02	3.46%
$31.00	Jul 17	$0.01	$1.15	$1.16	$29.84	$32.16	3.93%
$30.50	Jul 17	$0.08	$1.40	$1.48	$29.02	$31.98	5.02%
$28.50	Jul 17	$1.74	$0.01	$1.75	$26.75	$30.25	5.93%
$31.50	Jul 17	$0.01	$1.96	$1.97	$29.53	$33.47	6.68%
$27.50	Jul 17	$2.17	$0.01	$2.18	$25.32	$29.68	7.39%
$29.50	Jul 24	$1.21	$1.13	$2.34	$27.16	$31.84	7.93%
$29.00	Jul 24	$1.47	$0.90	$2.37	$26.63	$31.37	8.03%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 128 found (cheapest 0.37% of stock, avg 9.67%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$30.00	$29.00	Jul 17	$0.03	$0.08	$0.11	$28.89	$30.11
$30.00	$29.50	Jul 17	$0.03	$0.10	$0.13	$29.37	$30.13
$30.50	$29.00	Jul 17	$0.08	$0.08	$0.16	$28.84	$30.66
$30.00	$27.00	Jul 17	$0.03	$0.14	$0.17	$26.83	$30.17
$30.50	$29.50	Jul 17	$0.08	$0.10	$0.18	$29.32	$30.68
$30.50	$27.00	Jul 17	$0.08	$0.14	$0.22	$26.78	$30.72
$30.00	$25.00	Jul 17	$0.03	$0.50	$0.53	$24.47	$30.53
$30.50	$25.00	Jul 17	$0.08	$0.50	$0.58	$24.42	$31.08
$32.00	$27.50	Jul 24	$0.28	$0.37	$0.65	$26.85	$32.65
$32.00	$28.00	Jul 24	$0.28	$0.55	$0.83	$27.17	$32.83

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 125 found (best R:R 8.09, avg credit $0.64)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
28/29	30/31	Aug 7	$0.89	$0.11	8.09	$28.11	$30.89
28/29	34/35	Aug 28	$0.89	$0.11	8.09	$28.11	$34.89
27/28	29/30	Aug 7	$0.88	$0.12	7.33	$27.12	$29.88
26/27	29/30	Aug 28	$0.88	$0.12	7.33	$26.12	$29.88
26/27	30/31	Aug 28	$0.87	$0.13	6.69	$26.13	$30.87
26/27	29/30	Aug 7	$0.86	$0.14	6.14	$26.14	$29.86
30/31	34/35	Aug 14	$0.86	$0.14	6.14	$30.14	$34.86
27/28	31/32	Aug 7	$0.85	$0.15	5.67	$27.15	$31.85
30/31	33/34	Aug 7	$0.85	$0.15	5.67	$30.15	$33.85
25/26	29/30	Aug 28	$0.85	$0.15	5.67	$25.15	$29.85

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 34 found (best R:R 15.67, cheapest $0.05)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$29.00	$30.00	$31.00	Aug 7	$0.06	$0.94	15.67
$28.00	$28.50	$29.00	Jul 24	$0.06	$0.44	7.33
$30.00	$32.50	$35.00	Aug 21	$0.33	$2.17	6.58
$30.50	$31.00	$31.50	Jul 17	$0.07	$0.43	6.14
$24.00	$25.00	$26.00	Jul 17	$0.15	$0.85	5.67

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$27.00	$28.00	$29.00	Aug 7	$0.07	$0.93	13.29
$30.00	$31.00	$32.00	Aug 14	$0.07	$0.93	13.29
$28.00	$29.00	$30.00	Aug 7	$0.08	$0.92	11.50
$25.00	$26.00	$27.00	Aug 7	$0.09	$0.91	10.11
$29.00	$29.50	$30.00	Jul 24	$0.05	$0.45	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. 48 found (best net $-0.86, 43 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$26.00	$30.00	1:2	Aug 14	-$0.86	$3.14
$26.00	$29.00	1:2	Aug 7	-$1.45	$1.55
$32.50	$35.00	1:2	Aug 21	-$1.01	$1.49
$30.00	$32.50	1:2	Aug 21	-$1.30	$1.20
$32.00	$34.00	1:2	Aug 14	-$1.10	$0.90

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$27.50	$25.00	1:2	Aug 21	-$0.35	$2.15
$30.00	$27.50	1:2	Aug 21	-$0.88	$1.62
$27.00	$25.00	1:2	Jul 17	-$0.86	$1.14
$27.00	$26.00	1:2	Jul 31	-$0.10	$0.90
$30.00	$28.00	1:2	Aug 14	-$1.24	$0.76

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 39 found (best yield 10.50%, avg 4.18%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$30.00	Aug 21	$3.10	0.54	1.7%	10.50%	12.17%	201	139
$30.00	Aug 28	$3.10	0.55	1.7%	10.50%	12.17%	2	--
$30.00	Aug 14	$2.84	0.54	1.7%	9.62%	11.28%	1	28
$31.00	Aug 28	$2.55	0.50	5.0%	8.64%	13.69%	2	5
$30.00	Aug 7	$2.53	0.53	1.7%	8.57%	10.23%	62	77
$32.00	Aug 28	$2.35	0.46	8.4%	7.96%	16.40%	2	3
$32.50	Aug 21	$2.18	0.43	10.1%	7.39%	17.52%	154	292
$31.00	Aug 7	$2.08	0.47	5.0%	7.05%	12.10%	13	57
$32.00	Aug 14	$1.94	0.44	8.4%	6.57%	15.01%	1	--
$31.00	Aug 14	$1.90	0.48	5.0%	6.44%	11.49%	3	16

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 11,245

Total Puts 8,512

Put/Call Ratio 0.76

Net Difference 2,733

Prior's Put/Call Breakdown

Total Calls 6,560

Total Puts 7,921

Put/Call Ratio 1.21

Net Difference -1,361

Prior 7-Day Put/Call Summary

Total Calls 61,711

Total Puts 42,404

Average Put/Call Ratio 0.76

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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