Tour v390
UPST
UPSTART HLDGS INC
$28.64 -2.15%
$28.74 (+0.35%)🌙
as of 07/22 09:14 PM
(7/21 19:12) ◀
|
Wednesday, July 22, 2026 (9:14pm)
January 2026
|
▶ (7/23 19:15)
◀ 7/22 21:14 ▶

Option Volume

Detail
ℹ
Current (07/22) 10,749
Calls: 4,777 (44%)
Puts: 5,972 (56%)
Prior (07/21) 18,011
Calls: 7,211 (40%)
Puts: 10,800 (60%)
Current vs Prior -40.32%
Calls: -33.75% (Calls)
Puts: -44.70% (Puts)
Prior 7-Day Total 104,154
Calls: 55,523 (53%)
Puts: 48,631 (47%)
Prior 7-Day Average 14,879
Calls: 7,931 (53%)
Puts: 6,947 (47%)
Current vs Prior 7-Day Avg -27.76%
Calls: -39.77%
Puts: -14.04%
Sentiment BEARISH

Dollar Volume

Detail
ℹ
Current (07/22) $1.57M
Calls: $837.4K (53%)
Puts: $733.9K (47%)
Prior (07/21) $2.27M
Calls: $688.9K (30%)
Puts: $1.58M (70%)
Current vs Prior -30.75%
Calls: +21.56%
Puts: -53.56%
Prior 7-Day Total $21.37M
Calls: $7.41M (35%)
Puts: $13.96M (65%)
Prior 7-Day Average $3.05M
Calls: $1.06M (35%)
Puts: $1.99M (65%)
Current vs Prior 7-Day Avg -48.53%
Calls: -20.94%
Puts: -63.19%
Sentiment BULLISH

Put/Call Ratio

Detail
ℹ
Current (07/22) 1.25
Prior (07/21) 1.50
Current vs Prior -16.53%
Prior 7-Day Average 0.92
Current vs Prior 7-Day Avg +36.23%
Sentiment BEARISH

Open Interest

Detail
ℹ
Current (07/22) 122,121
Calls: 77,990 (64%)
Puts: 44,131 (36%)
Prior (07/21) 138,608
Calls: 81,219 (59%)
Puts: 57,389 (41%)
Current vs Prior -11.89%
Prior 7-Day Total 1,048,920
Calls: 651,849 (62%)
Puts: 397,071 (38%)
Prior 7-Day Average 149,845
Calls: 93,121 (62%)
Puts: 56,724 (38%)
Current vs Prior 7-Day Avg -18.50%
Sentiment BEARISH

Expected Move

Detail
ℹ
Expiry (07/24) | Next (07/31)Expiry (08/21) | Next (09/18)
Current 5.55% | 10.37%22.45% | 27.30%
Prior 6.76% | 10.59%22.99% | 27.33%
Current vs Prior -17.93% | -2.09%-2.36% | -0.10%
Prior 7-Day Avg 6.89% | 10.85%10.43% | 24.58%
Current vs 7-Day Avg -19.44% | -4.43%+115.31% | +11.09%
Prior 7-Day Eod 6.76% | 10.59%22.99% | 27.33%
Current vs 7-Day Eod -17.93% | -2.09%-2.36% | -0.10%
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

Below-average activity with volume down 40% vs prior. Bearish P/C ratio of 1.25 indicates protective positioning. Call-heavy open interest (77,990 calls vs 44,131 puts) suggests bullish positioning.

Smart Money BULLISH
Retail Flow BEARISH
Overall BEARISH
Dollar Volume
Option Volume
Put/Call Ratio
Open Interest
Expected Move
Current BULLISH
Prior BEARISH
7-Day Avg BEARISH
Current BEARISH
Prior BEARISH
7-Day Avg NEUTRAL
Current BEARISH
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

Options with the tightest bid-ask spreads (<10%). Lower spreads = better fills and less slippage. Showing top 14 of results (avg 7.6%, best 3.9%)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Aug 212.492.59$2.543.9%110.49314
$29.00Aug 72.422.58$2.506.4%370.5227
$32.50Aug 211.631.78$1.718.8%110.37--
$25.00Aug 144.805.25$5.038.9%50.75--
$25.50Aug 214.705.15$4.939.1%10.72--
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Aug 213.703.85$3.784.0%410.51797
$31.00Jul 312.772.95$2.866.3%20.72409
$30.00Jul 312.022.18$2.107.6%40.63379
$29.00Aug 213.053.30$3.187.9%570.461.0K
$30.50Jul 312.392.59$2.498.0%100.68--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 4 found (avg $0.42, cheapest $0.19)

CALLS (2)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Jul 240.180.20$0.1910.5%1170.221.0K
$32.00Jul 310.300.34$0.3212.5%100.19615
PUTS (2)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$26.00Jul 310.310.37$0.3417.6%10.18200
$29.00Jul 240.760.90$0.8316.9%160.57668

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 44 found (avg delta 0.71, highest 1.00)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$23.00Jul 245.106.60$5.8525.6%10.98--
$24.50Jul 243.505.80$4.6549.5%20.983
$25.00Jul 242.384.95$3.6770.0%70.9711
$25.50Jul 241.414.95$3.18111.3%70.9112
$25.00Aug 74.105.40$4.7527.4%50.76--
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$32.50Jul 242.905.05$3.9754.2%11.0060
$34.00Jul 244.106.35$5.2343.0%11.00--
$32.00Jul 242.534.50$3.5156.1%50.98235
$31.50Jul 242.464.15$3.3151.1%100.9641
$33.50Jul 242.796.15$4.4775.2%20.95--

Most actively traded options today. High liquidity = easy entry/exit. 126 active (total vol 6.0K, top 724)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Aug 72.002.20$2.109.5%3130.4788
$30.00Jul 310.720.88$0.8020.0%2440.37558
$31.50Jul 240.020.06$0.04100.0%2130.06317
$29.00Jul 240.420.56$0.4928.6%1520.43156
$31.00Jul 240.050.09$0.0757.1%1520.091.1K
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$28.00Jul 310.921.12$1.0219.6%7240.40220
$27.00Jul 240.120.15$0.1421.4%7150.15339
$25.50Jul 240.000.22$0.11200.0%5440.09--
$27.00Jul 310.560.76$0.6630.3%2310.29388
$28.50Aug 72.482.71$2.608.8%1620.45--

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 22.8%, max 64.0%)

CALLS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$33.50Jul 24Aug 21124.9%93.2%34.0%12--
$25.50Jul 24Aug 21124.7%95.9%30.0%812
$34.00Jul 24Aug 28115.2%90.9%26.7%3--
$26.00Aug 7Aug 21110.3%93.9%17.5%2--
$25.00Jul 24Aug 21106.3%94.4%12.6%1011
PUTS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$24.50Jul 24Jul 31111.4%67.9%64.0%1229
$24.00Jul 24Aug 28123.5%90.2%37.0%7457
$31.50Jul 24Jul 3180.2%68.3%17.5%2041
$25.00Jul 24Aug 21106.3%94.4%12.6%29581
$32.00Jul 24Jul 3182.9%73.8%12.3%11306

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 75 found (best R:R 9.00, avg 1.83)

BULL CALL (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$32.50$33.00Aug 7$0.10$0.40$0.104.00$32.60
$30.50$31.00Jul 31$0.11$0.39$0.113.55$30.61
$33.50$34.00Aug 21$0.11$0.39$0.113.55$33.61
$30.00$30.50Aug 21$0.12$0.38$0.123.17$30.12
$29.00$29.50Jul 24$0.13$0.37$0.132.85$29.13
BEAR PUT (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$27.00$26.00Jul 24$0.10$0.90$0.109.00$26.90
$26.00$25.00Jul 31$0.14$0.86$0.146.14$25.86
$24.00$23.00Aug 21$0.21$0.79$0.213.76$23.79
$25.00$24.50Jul 31$0.11$0.39$0.113.55$24.89
$25.00$24.00Aug 7$0.23$0.77$0.233.35$24.77

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 84 found (best R:R 5.76, avg 1.03)

BEAR CALL (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$25.50$28.00Jul 24$2.13$2.13$0.375.76$27.63
$23.00$24.50Jul 24$1.20$1.20$0.304.00$24.20
$25.00$26.00Aug 14$0.73$0.73$0.272.70$25.73
$28.50$29.00Aug 21$0.34$0.34$0.162.12$28.84
$25.00$26.00Aug 7$0.65$0.65$0.351.86$25.65
BULL PUT (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$30.00$29.50Jul 24$0.39$0.39$0.113.55$29.61
$30.50$30.00Jul 31$0.39$0.39$0.113.55$30.11
$31.00$30.50Jul 31$0.37$0.37$0.132.85$30.63
$28.50$28.00Aug 7$0.37$0.37$0.132.85$28.13
$31.50$31.00Jul 31$0.36$0.36$0.142.57$31.14

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 31 found (avg debit $0.51, cheapest $0.06)

CALLS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$34.00Jul 24Jul 31$0.06115.2%67.6%
$33.50Jul 24Jul 31$0.12124.9%76.0%
$33.00Jul 24Jul 31$0.1897.8%74.6%
$26.00Aug 7Aug 14$0.20110.3%101.4%
$32.50Jul 24Jul 31$0.2589.2%75.2%
PUTS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$24.50Jul 24Jul 31$0.07111.4%67.9%
$25.00Jul 24Jul 31$0.17106.3%76.7%
$32.00Jul 24Jul 31$0.2582.9%73.8%
$31.00Jul 24Jul 31$0.2879.0%76.2%
$26.00Jul 24Jul 31$0.3083.1%73.4%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 39 found (cheapest 4.61% of stock, avg 14.20%)

StrikeExpiryCall$Put$TotalBE LowBE HighCost%
$28.50Jul 24$0.76$0.56$1.32$27.18$29.824.61%
$29.00Jul 24$0.49$0.83$1.32$27.68$30.324.61%
$28.00Jul 24$1.05$0.35$1.40$26.60$29.404.89%
$29.50Jul 24$0.36$1.15$1.51$27.99$31.015.27%
$30.00Jul 24$0.19$1.54$1.73$28.27$31.736.04%
$30.50Jul 24$0.12$1.81$1.93$28.57$32.436.74%
$31.00Jul 24$0.07$2.58$2.65$28.35$33.659.25%
$28.50Jul 31$1.46$1.25$2.71$25.79$31.219.46%
$29.00Jul 31$1.22$1.51$2.73$26.27$31.739.53%
$28.00Jul 31$1.73$1.02$2.75$25.25$30.759.60%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 115 found (cheapest 0.63% of stock, avg 9.90%)

Call KPut KExpiryCall$Put$TotalBE LowBE High
$31.00$25.50Jul 24$0.07$0.11$0.18$25.32$31.18
$31.00$27.00Jul 24$0.07$0.14$0.21$26.79$31.21
$30.50$25.50Jul 24$0.12$0.11$0.23$25.27$30.73
$30.50$27.00Jul 24$0.12$0.14$0.26$26.74$30.76
$31.00$27.50Jul 24$0.07$0.22$0.29$27.21$31.29
$30.00$25.50Jul 24$0.19$0.11$0.30$25.20$30.30
$30.00$27.00Jul 24$0.19$0.14$0.33$26.67$30.33
$30.50$27.50Jul 24$0.12$0.22$0.34$27.16$30.84
$30.00$27.50Jul 24$0.19$0.22$0.41$27.09$30.41
$31.00$28.00Jul 24$0.07$0.35$0.42$27.58$31.42

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 161 found (best R:R 7.33, avg credit $0.62)

Put SpreadCall SpreadExpiryCreditMax LossR:RBE LowBE High
30/3031/32Aug 7$0.88$0.127.33$29.12$31.88
30/3033/34Aug 7$0.88$0.127.33$29.12$33.88
28/2829/30Aug 21$0.87$0.136.69$27.63$29.87
26/2729/30Aug 21$0.84$0.165.25$26.16$29.84
28/2832/32Aug 21$0.82$0.184.56$27.68$32.32
26/2728/29Aug 21$0.81$0.194.26$26.19$29.31
29/3032/33Aug 21$0.81$0.194.26$29.19$33.31
28/3132/34Aug 14$2.41$0.594.08$28.59$34.41
28/2930/30Aug 7$0.40$0.104.00$28.60$30.40
27/2832/33Aug 21$0.40$0.104.00$27.10$32.90

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 21 found (best R:R 9.00, cheapest $0.05)

CALLS (5)
LowMidHighExpiryDebitMax GainR:R
$29.50$30.00$30.50Jul 31$0.07$0.436.14
$28.50$29.00$29.50Aug 7$0.09$0.414.56
$29.50$30.00$30.50Jul 24$0.10$0.404.00
$28.50$29.00$29.50Jul 24$0.14$0.362.57
$32.50$33.00$33.50Aug 21$0.16$0.342.12
PUTS (5)
LowMidHighExpiryDebitMax GainR:R
$28.50$29.00$29.50Jul 24$0.05$0.459.00
$25.00$26.00$27.00Aug 21$0.10$0.909.00
$28.00$28.50$29.00Jul 24$0.06$0.447.33
$24.50$25.00$25.50Jul 24$0.07$0.436.14
$29.00$29.50$30.00Jul 24$0.07$0.436.14

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 $-0.02, 34 credits)

CALLS (5)
Buy KSell KRatioExpiryNetMax Gain
$30.00$33.001:2Aug 28-$0.96$2.04
$26.00$29.001:2Aug 14-$1.32$1.68
$32.00$34.001:2Aug 14-$0.45$1.55
$26.00$28.501:2Aug 7-$1.44$1.06
$29.00$31.001:2Aug 14-$1.23$0.77
PUTS (5)
Buy KSell KRatioExpiryNetMax Gain
$28.00$25.001:2Aug 14-$0.02$2.98
$27.50$25.001:2Aug 7$0.00$2.50
$31.00$28.001:2Aug 14-$0.67$2.33
$24.50$23.001:2Jul 31-$0.13$1.37
$26.00$25.001:2Jul 31-$0.06$0.94

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 39 found (best yield 9.32%, avg 4.31%)

StrikeExpiryBidDeltaOTM%Yield%If Called%VolOI
$29.00Aug 21$2.670.541.3%9.32%10.58%274
$29.00Aug 14$2.560.541.3%8.94%10.20%1--
$30.00Aug 21$2.490.494.8%8.69%13.44%11314
$30.00Aug 28$2.460.504.8%8.59%13.34%1--
$29.00Aug 7$2.420.521.3%8.45%9.71%3727
$30.50Aug 21$2.140.476.5%7.47%13.97%114
$31.00Aug 21$2.060.458.2%7.19%15.43%1--
$29.50Aug 7$2.040.503.0%7.12%10.13%1--
$30.00Aug 7$2.000.474.8%6.98%11.73%31388
$31.50Aug 21$1.850.4210.0%6.46%16.45%1--

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 4,777
Total Puts 5,972
Put/Call Ratio 1.25
Net Difference -1,195

Prior's Put/Call Breakdown

Total Calls 7,211
Total Puts 10,800
Put/Call Ratio 1.50
Net Difference -3,589

Prior 7-Day Put/Call Summary

Total Calls 55,523
Total Puts 48,631
Average Put/Call Ratio 0.92
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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Chart Title

Price — Past 7 Days

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