UPST - Options Database

UPST

UPSTART HLDGS INC

$29.27 +1.56%

$29.41 (+0.48%)🌙

as of 07/21 07:12 PM

(7/20 19:13) ◀

Tuesday, July 21, 2026 (7:12pm)

▶ (7/22 21:14)

◀ 7/21 19:12 ▶

Option Volume

Detail

ℹ

Current (07/21) 18,011

Calls: 7,211 (40%)

Puts: 10,800 (60%)

Prior (07/20) 13,956

Calls: 9,917 (71%)

Puts: 4,039 (29%)

Current vs Prior +29.06%

Calls: -27.29% (Calls)

Puts: +167.39% (Puts)

Prior 7-Day Total 101,112

Calls: 56,992 (56%)

Puts: 44,120 (44%)

Prior 7-Day Average 14,444

Calls: 8,141 (56%)

Puts: 6,302 (44%)

Current vs Prior 7-Day Avg +24.69%

Calls: -11.43%

Puts: +71.35%

Sentiment BEARISH

Dollar Volume

Detail

ℹ

Current (07/21) $2.27M

Calls: $688.9K (30%)

Puts: $1.58M (70%)

Prior (07/20) $2.39M

Calls: $1.37M (57%)

Puts: $1.03M (43%)

Current vs Prior -5.21%

Calls: -49.65%

Puts: +54.05%

Prior 7-Day Total $20.83M

Calls: $7.69M (37%)

Puts: $13.15M (63%)

Prior 7-Day Average $2.98M

Calls: $1.10M (37%)

Puts: $1.88M (63%)

Current vs Prior 7-Day Avg -23.75%

Calls: -37.26%

Puts: -15.85%

Sentiment BEARISH

Put/Call Ratio

Detail

ℹ

Current (07/21) 1.50

Prior (07/20) 0.41

Current vs Prior +267.73%

Prior 7-Day Average 0.81

Current vs Prior 7-Day Avg +85.52%

Sentiment BEARISH

Open Interest

Detail

ℹ

Current (07/21) 138,608

Calls: 81,219 (59%)

Puts: 57,389 (41%)

Prior (07/20) 135,223

Calls: 86,221 (64%)

Puts: 49,002 (36%)

Current vs Prior +2.50%

Prior 7-Day Total 1,079,311

Calls: 676,369 (63%)

Puts: 402,942 (37%)

Prior 7-Day Average 154,187

Calls: 96,624 (63%)

Puts: 57,563 (37%)

Current vs Prior 7-Day Avg -10.10%

Sentiment BEARISH

Expected Move

Detail

ℹ

WKMO Expiry (07/24) | Next (07/31)Expiry (08/21) | Next (09/18)

Current 6.76% | 10.59%22.99% | 27.33%

Prior 7.81% | 11.62%23.11% | 27.76%

Current vs Prior -13.35% | -8.89%-0.50% | -1.54%

Prior 7-Day Avg 7.12% | 10.97%8.34% | 24.16%

Current vs 7-Day Avg -4.99% | -3.49%+175.76% | +13.14%

Prior 7-Day Eod 7.81% | 11.62%23.11% | 27.76%

Current vs 7-Day Eod -13.35% | -8.89%-0.50% | -1.54%

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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Moderately bearish flow with 70% put dollar volume ($1.58M). Bearish P/C ratio of 1.50 indicates protective positioning. P/C ratio rising 268% - 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 BULLISH

7-Day Avg BEARISH

Current BEARISH

Prior BULLISH

7-Day Avg NEUTRAL

Current BEARISH

Prior BULLISH

7-Day Avg NEUTRAL

Current BULLISH

Prior BULLISH

7-Day Avg NEUTRAL

Current BEARISH

Prior BULLISH

7-Day Avg BULLISH

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🎯 Tightest Spreads

💰 Best Value Under $1

📊 High Delta (ITM)

🔥 High Volume

⏰ Backwardation

📈 Debit Spreads

📉 Credit Spreads

📅 Calendar Spreads

⚡ Straddles

🔀 Strangles

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⚖️ Ratio Spreads

🛡️ Covered Calls

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Tightest Spreads

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Best Value <$1

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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 17 of results (avg 6.8%, best 3.6%)

CALLS (3)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$29.00	Jul 31	1.54	1.60	$1.57	3.8%	12	0.56	77
$35.00	Aug 21	1.28	1.39	$1.34	8.2%	69	0.30	937
$30.00	Aug 21	2.88	3.15	$3.01	9.0%	83	0.53	275

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Aug 21	6.90	7.15	$7.03	3.6%	6	0.70	--
$33.00	Aug 7	4.95	5.15	$5.05	4.0%	1	0.64	--
$31.00	Jul 31	2.40	2.50	$2.45	4.1%	3	0.65	406
$32.00	Aug 7	4.25	4.45	$4.35	4.6%	2	0.60	333
$32.00	Jul 31	3.15	3.30	$3.22	4.7%	13	0.74	--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 4 found (avg $0.68, cheapest $0.37)

CALLS (2)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.50	Jul 24	0.33	0.40	$0.37	18.9%	445	0.29	157
$30.00	Jul 24	0.50	0.57	$0.53	13.2%	990	0.38	894

PUTS (2)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$28.00	Jul 31	0.78	0.92	$0.85	16.5%	20	0.33	--
$29.50	Jul 24	0.92	1.02	$0.97	10.3%	79	0.53	58

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 49 found (avg delta 0.67, highest 0.97)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$24.50	Jul 24	3.05	6.25	$4.65	68.8%	3	0.94	--
$25.00	Jul 24	2.80	5.80	$4.30	69.8%	12	0.93	--
$24.00	Jul 24	4.65	6.00	$5.33	25.3%	4	0.92	4
$25.50	Jul 24	2.67	5.10	$3.89	62.5%	12	0.91	--
$26.50	Jul 24	1.78	4.35	$3.07	83.7%	7	0.87	7

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$35.00	Jul 24	4.55	6.05	$5.30	28.3%	9	0.97	156
$33.50	Jul 24	2.96	5.25	$4.11	55.7%	1	0.95	--
$33.00	Jul 24	2.87	4.75	$3.81	49.3%	4	0.95	80
$32.00	Jul 24	2.06	3.35	$2.71	47.6%	27	0.88	248
$31.50	Jul 24	2.09	2.63	$2.36	22.9%	13	0.83	54

Most actively traded options today. High liquidity = easy entry/exit. 136 active (total vol 6.7K, top 990)

CALLS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$30.00	Jul 24	0.50	0.57	$0.53	13.2%	990	0.38	894
$32.00	Jul 24	0.10	0.15	$0.13	38.5%	512	0.12	627
$30.50	Jul 24	0.33	0.40	$0.37	18.9%	445	0.29	157
$33.00	Jul 24	0.03	0.06	$0.05	60.0%	348	0.05	357
$32.50	Jul 24	0.06	0.09	$0.08	37.5%	287	0.08	357

PUTS (5)

Strike	Expiry	Bid	Ask	Mark	Spread	Vol	Delta	OI
$25.00	Jul 24	0.01	0.15	$0.08	175.0%	283	0.06	393
$27.00	Jul 24	0.13	0.20	$0.17	41.2%	217	0.14	493
$27.50	Jul 24	0.21	0.30	$0.26	34.6%	160	0.20	140
$29.00	Jul 24	0.63	0.78	$0.71	21.1%	156	0.43	579
$25.00	Aug 21	1.10	1.50	$1.30	30.8%	114	0.24	481

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 12 strikes (avg 20.4%, max 57.1%)

CALLS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$35.00	Jul 24	Aug 21	103.7%	92.8%	11.7%	355	1.8K
$27.50	Jul 24	Jul 31	85.6%	78.5%	9.1%	5	5
$31.50	Jul 24	Jul 31	82.1%	75.9%	8.2%	214	223
$28.50	Jul 24	Jul 31	81.4%	77.2%	5.4%	47	61
$34.50	Jul 24	Aug 21	99.3%	96.0%	3.5%	2	5

PUTS (5)

Strike	Near Exp	Far Exp	Near IV	Far IV	Back%	Vol	OI
$24.00	Jul 24	Aug 28	147.1%	93.6%	57.1%	3	457
$25.50	Jul 24	Jul 31	115.7%	80.0%	44.6%	24	--
$26.50	Jul 24	Jul 31	101.5%	78.7%	29.0%	34	98
$25.00	Jul 24	Aug 28	116.5%	90.7%	28.4%	284	404
$24.50	Jul 24	Aug 21	118.6%	93.1%	27.5%	12	16

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 70 found (best R:R 4.00, avg 1.61)

BULL CALL (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$33.00	$33.50	Jul 31	$0.11	$0.39	$0.11	3.55	$33.11
$32.00	$33.00	Aug 7	$0.22	$0.78	$0.22	3.55	$32.22
$34.50	$35.00	Aug 7	$0.11	$0.39	$0.11	3.55	$34.61
$31.00	$31.50	Jul 31	$0.12	$0.38	$0.12	3.17	$31.12
$32.00	$34.00	Aug 14	$0.48	$1.52	$0.48	3.17	$32.48

BEAR PUT (5)

Buy	Sell	Expiry	Debit	Max Gain	Max Loss	R:R	BE
$27.00	$26.50	Jul 31	$0.10	$0.40	$0.10	4.00	$26.90
$27.00	$26.00	Aug 7	$0.21	$0.79	$0.21	3.76	$26.79
$25.00	$24.00	Aug 28	$0.24	$0.76	$0.24	3.17	$24.76
$28.00	$27.50	Aug 7	$0.13	$0.37	$0.13	2.85	$27.87
$25.00	$24.50	Aug 7	$0.14	$0.36	$0.14	2.57	$24.86

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 84 found (best R:R 4.56, avg 1.16)

BEAR CALL (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$25.50	$26.50	Jul 24	$0.82	$0.82	$0.18	4.56	$26.32
$28.50	$29.00	Jul 31	$0.36	$0.36	$0.14	2.57	$28.86
$24.50	$25.00	Jul 24	$0.35	$0.35	$0.15	2.33	$24.85
$28.00	$28.50	Jul 24	$0.35	$0.35	$0.15	2.33	$28.35
$27.50	$28.00	Jul 31	$0.33	$0.33	$0.17	1.94	$27.83

BULL PUT (5)

Sell	Buy	Expiry	Credit	Max Gain	Max Loss	R:R	BE
$35.00	$33.50	Jul 24	$1.19	$1.19	$0.31	3.84	$33.81
$35.00	$33.00	Aug 7	$1.55	$1.55	$0.45	3.44	$33.45
$30.50	$30.00	Jul 24	$0.38	$0.38	$0.12	3.17	$30.12
$30.00	$29.50	Aug 21	$0.37	$0.37	$0.13	2.85	$29.63
$35.00	$32.00	Aug 28	$2.20	$2.20	$0.80	2.75	$32.80

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 34 found (avg debit $0.49, cheapest $0.05)

CALLS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$35.00	Jul 24	Jul 31	$0.08	103.7%	70.6%
$34.50	Jul 24	Jul 31	$0.16	99.3%	76.1%
$34.00	Jul 24	Jul 31	$0.20	86.9%	75.3%
$33.50	Jul 24	Jul 31	$0.21	88.8%	73.2%
$33.00	Jul 24	Jul 31	$0.32	80.9%	76.1%

PUTS (5)

Strike	Near Exp	Far Exp	Net Debit	Near IV	Far IV
$24.50	Jul 24	Jul 31	$0.05	118.6%	75.6%
$26.00	Jul 24	Jul 31	$0.11	106.5%	70.3%
$25.00	Jul 24	Jul 31	$0.13	116.5%	81.2%
$25.50	Jul 24	Jul 31	$0.15	115.7%	80.0%
$26.50	Jul 24	Jul 31	$0.27	101.5%	78.7%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 45 found (cheapest 5.88% of stock, avg 15.21%)

Strike	Expiry	Call$	Put$	Total	BE Low	BE High	Cost%
$29.00	Jul 24	$1.01	$0.71	$1.72	$27.28	$30.72	5.88%
$29.50	Jul 24	$0.75	$0.97	$1.72	$27.78	$31.22	5.88%
$30.00	Jul 24	$0.53	$1.23	$1.76	$28.24	$31.76	6.01%
$28.50	Jul 24	$1.30	$0.51	$1.81	$26.69	$30.31	6.18%
$28.00	Jul 24	$1.65	$0.33	$1.98	$26.02	$29.98	6.76%
$30.50	Jul 24	$0.37	$1.61	$1.98	$28.52	$32.48	6.76%
$31.00	Jul 24	$0.22	$1.95	$2.17	$28.83	$33.17	7.41%
$27.50	Jul 24	$2.12	$0.26	$2.38	$25.12	$29.88	8.13%
$31.50	Jul 24	$0.19	$2.36	$2.55	$28.95	$34.05	8.71%
$32.00	Jul 24	$0.13	$2.71	$2.84	$29.16	$34.84	9.70%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 109 found (cheapest 1.23% of stock, avg 10.21%)

Call K	Put K	Expiry	Call$	Put$	Total	BE Low	BE High
$31.50	$27.00	Jul 24	$0.19	$0.17	$0.36	$26.64	$31.86
$31.00	$27.00	Jul 24	$0.22	$0.17	$0.39	$26.61	$31.39
$31.50	$27.50	Jul 24	$0.19	$0.26	$0.45	$27.05	$31.95
$31.00	$27.50	Jul 24	$0.22	$0.26	$0.48	$27.02	$31.48
$31.50	$28.00	Jul 24	$0.19	$0.33	$0.52	$27.48	$32.02
$30.50	$27.00	Jul 24	$0.37	$0.17	$0.54	$26.46	$31.04
$31.00	$28.00	Jul 24	$0.22	$0.33	$0.55	$27.45	$31.55
$30.50	$27.50	Jul 24	$0.37	$0.26	$0.63	$26.87	$31.13
$30.00	$27.00	Jul 24	$0.53	$0.17	$0.70	$26.30	$30.70
$30.50	$28.00	Jul 24	$0.37	$0.33	$0.70	$27.30	$31.20

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 118 found (best R:R 9.00, avg credit $0.59)

Put Spread	Call Spread	Expiry	Credit	Max Loss	R:R	BE Low	BE High
28/29	31/32	Aug 21	$1.35	$0.15	9.00	$27.65	$32.35
29/30	31/32	Aug 7	$0.85	$0.15	5.67	$28.65	$31.85
30/32	33/34	Aug 7	$1.26	$0.24	5.25	$30.74	$34.26
30/30	31/32	Aug 21	$0.83	$0.17	4.88	$29.67	$31.83
25/26	28/29	Aug 7	$0.82	$0.18	4.56	$25.18	$28.82
28/28	30/30	Jul 24	$0.40	$0.10	4.00	$28.10	$29.90
30/32	34/35	Aug 14	$1.59	$0.41	3.88	$30.41	$35.59
24/25	31/32	Aug 21	$0.79	$0.21	3.76	$24.21	$31.79
27/28	31/32	Aug 21	$0.79	$0.21	3.76	$26.71	$31.79
28/28	32/32	Jul 31	$0.39	$0.11	3.55	$28.11	$31.89

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 27 found (best R:R 7.33, cheapest $0.06)

CALLS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$28.00	$28.50	$29.00	Jul 24	$0.06	$0.44	7.33
$29.50	$30.00	$30.50	Jul 24	$0.06	$0.44	7.33
$31.50	$32.00	$32.50	Jul 31	$0.07	$0.43	6.14
$33.00	$33.50	$34.00	Jul 31	$0.08	$0.42	5.25
$30.00	$32.00	$34.00	Aug 14	$0.35	$1.65	4.71

PUTS (5)

Low	Mid	High	Expiry	Debit	Max Gain	R:R
$24.00	$24.50	$25.00	Jul 24	$0.06	$0.44	7.33
$28.50	$29.00	$29.50	Jul 24	$0.06	$0.44	7.33
$30.50	$31.00	$31.50	Jul 24	$0.07	$0.43	6.14
$29.50	$30.00	$30.50	Jul 31	$0.08	$0.42	5.25
$29.50	$30.00	$30.50	Aug 7	$0.09	$0.41	4.56

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 38 found (best net $-0.63, 36 credits)

CALLS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$32.00	$34.00	1:2	Aug 14	-$0.96	$1.04
$30.00	$32.00	1:2	Aug 14	-$1.09	$0.91
$33.00	$33.50	1:2	Jul 24	-$0.05	$0.45
$30.50	$31.00	1:2	Jul 24	-$0.07	$0.43
$31.50	$32.00	1:2	Jul 24	-$0.07	$0.43

PUTS (5)

Buy K	Sell K	Ratio	Expiry	Net	Max Gain
$27.00	$25.00	1:2	Aug 21	-$0.63	$1.37
$28.00	$27.00	1:2	Jul 31	-$0.25	$0.75
$26.00	$25.00	1:2	Aug 7	-$0.45	$0.55
$25.00	$24.00	1:2	Aug 14	-$0.52	$0.48
$27.50	$27.00	1:2	Jul 24	-$0.08	$0.42

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 43 found (best yield 10.25%, avg 4.05%)

Strike	Expiry	Bid	Delta	OTM%	Yield%	If Called%	Vol	OI
$29.50	Aug 21	$3.00	0.55	0.8%	10.25%	11.04%	5	--
$30.00	Aug 21	$2.88	0.53	2.5%	9.84%	12.33%	83	275
$30.00	Aug 14	$2.55	0.53	2.5%	8.71%	11.21%	7	29
$30.50	Aug 21	$2.53	0.50	4.2%	8.64%	12.85%	1	3
$29.50	Aug 7	$2.46	0.54	0.8%	8.40%	9.19%	7	20
$31.00	Aug 21	$2.45	0.48	5.9%	8.37%	14.28%	36	--
$30.00	Aug 7	$2.33	0.51	2.5%	7.96%	10.45%	30	97
$30.50	Aug 7	$2.15	0.48	4.2%	7.35%	11.55%	4	--
$32.50	Aug 21	$1.93	0.41	11.0%	6.59%	17.63%	18	380
$31.00	Aug 7	$1.92	0.46	5.9%	6.56%	12.47%	8	64

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 7,211

Total Puts 10,800

Put/Call Ratio 1.50

Net Difference -3,589

Prior's Put/Call Breakdown

Total Calls 9,917

Total Puts 4,039

Put/Call Ratio 0.41

Net Difference 5,878

Prior 7-Day Put/Call Summary

Total Calls 56,992

Total Puts 44,120

Average Put/Call Ratio 0.81

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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