Tour v394
UPST
UPSTART HLDGS INC
$27.59 -3.67%
$27.71 (+0.43%)🌙
as of 07/23 07:15 PM
(7/22 21:14) ◀
|
Thursday, July 23, 2026 (7:15pm)
January 2026
|
▶ (7/24 04:04)
◀ 7/23 19:15 ▶

Option Volume

Detail
ℹ
Current (07/23) 18,221
Calls: 7,445 (41%)
Puts: 10,776 (59%)
Prior (07/22) 10,749
Calls: 4,777 (44%)
Puts: 5,972 (56%)
Current vs Prior +69.51%
Calls: +55.85% (Calls)
Puts: +80.44% (Puts)
Prior 7-Day Total 98,005
Calls: 51,041 (52%)
Puts: 46,964 (48%)
Prior 7-Day Average 14,000
Calls: 7,291 (52%)
Puts: 6,709 (48%)
Current vs Prior 7-Day Avg +30.14%
Calls: +2.10%
Puts: +60.62%
Sentiment BEARISH

Dollar Volume

Detail
ℹ
Current (07/23) $3.82M
Calls: $1.28M (34%)
Puts: $2.54M (66%)
Prior (07/22) $1.57M
Calls: $837.4K (53%)
Puts: $733.9K (47%)
Current vs Prior +143.13%
Calls: +53.25%
Puts: +245.68%
Prior 7-Day Total $19.97M
Calls: $7.31M (37%)
Puts: $12.65M (63%)
Prior 7-Day Average $2.85M
Calls: $1.04M (37%)
Puts: $1.81M (63%)
Current vs Prior 7-Day Avg +33.94%
Calls: +22.86%
Puts: +40.35%
Sentiment BEARISH

Put/Call Ratio

Detail
ℹ
Current (07/23) 1.45
Prior (07/22) 1.25
Current vs Prior +15.78%
Prior 7-Day Average 0.98
Current vs Prior 7-Day Avg +47.92%
Sentiment BEARISH

Open Interest

Detail
ℹ
Current (07/23) 147,854
Calls: 98,907 (67%)
Puts: 48,947 (33%)
Prior (07/22) 122,121
Calls: 77,990 (64%)
Puts: 44,131 (36%)
Current vs Prior +21.07%
Prior 7-Day Total 1,009,654
Calls: 633,733 (63%)
Puts: 375,921 (37%)
Prior 7-Day Average 144,236
Calls: 90,533 (63%)
Puts: 53,703 (37%)
Current vs Prior 7-Day Avg +2.51%
Sentiment BEARISH

Expected Move

Detail
ℹ
Expiry (07/24) | Next (07/31)Expiry (08/21) | Next (09/18)
Current 3.88% | 9.57%21.96% | 26.64%
Prior 5.55% | 10.37%22.45% | 27.30%
Current vs Prior -30.14% | -7.73%-2.17% | -2.43%
Prior 7-Day Avg 6.54% | 10.70%12.49% | 24.98%
Current vs 7-Day Avg -40.70% | -10.55%+75.86% | +6.65%
Prior 7-Day Eod 5.55% | 10.37%22.45% | 27.30%
Current vs 7-Day Eod -30.14% | -7.73%-2.17% | -2.43%
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

Moderately bearish flow with 66% put dollar volume ($2.54M). Massive premium surge with dollar volume up 143% vs prior. Above-average activity with volume up 70% vs prior. Bearish P/C ratio of 1.45 indicates protective 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 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 4 of results (avg 8.1%, best 5.7%)

CALLS (1)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$28.00Aug 212.752.91$2.835.7%90.52--
PUTS (3)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$25.00Aug 211.601.74$1.678.4%510.32587
$32.00Aug 215.606.10$5.858.5%10.67--
$32.50Aug 215.856.45$6.159.8%20.67--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 1 found (avg $0.78, cheapest $0.78)

CALLS (1)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$27.00Jul 240.710.85$0.7817.9%550.703
PUTS (0)
No puts meet the criteria

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 60 found (avg delta 0.71, highest 1.00)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$25.00Jul 241.044.40$2.72123.5%41.0016
$26.00Jul 241.051.81$1.4353.1%81.006
$26.50Jul 240.012.79$1.40198.6%11.00--
$24.50Jul 241.704.95$3.3397.6%30.964
$23.00Jul 243.056.30$4.6869.4%40.939
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.50Jul 241.944.10$3.0271.5%4950.98327
$32.00Jul 244.155.75$4.9532.3%2060.98--
$33.00Jul 244.356.05$5.2032.7%1280.96--
$30.00Jul 242.063.80$2.9359.4%690.94910
$29.50Jul 241.612.59$2.1046.7%150.9490

Most actively traded options today. High liquidity = easy entry/exit. 150 active (total vol 9.2K, top 828)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$28.00Jul 240.190.50$0.3588.6%6510.35102
$29.00Jul 240.020.08$0.05120.0%5910.09292
$27.50Jul 311.121.31$1.2215.6%5670.542
$31.50Jul 240.000.16$0.08200.0%2120.07420
$31.00Jul 240.010.10$0.06150.0%2090.061.1K
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$26.00Jul 310.440.67$0.5641.1%8280.28201
$31.00Jul 243.004.75$3.8845.1%7250.93580
$30.00Aug 214.254.85$4.5513.2%5150.57836
$28.00Aug 212.903.50$3.2018.8%5090.4710
$30.50Jul 241.944.10$3.0271.5%4950.98327

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 21 strikes (avg 60.6%, max 221.7%)

CALLS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$23.00Jul 24Jul 31281.6%87.5%221.7%711
$24.00Jul 24Jul 31236.4%77.3%205.8%137
$33.00Jul 24Aug 28188.9%93.1%103.0%89624
$31.00Jul 24Aug 28157.9%93.7%68.6%2131.1K
$31.50Jul 24Aug 7187.8%117.2%60.2%239420
PUTS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$32.50Jul 24Aug 21215.6%102.5%110.4%23--
$33.00Jul 24Aug 28188.9%93.1%103.0%129--
$32.00Jul 24Aug 28142.2%86.1%65.1%207--
$24.50Jul 24Aug 7182.8%115.0%59.0%10628
$31.00Jul 24Aug 7157.9%116.3%35.8%731633

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 60 found (best R:R 4.88, avg 1.69)

BULL CALL (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$31.00$31.50Aug 7$0.10$0.40$0.104.00$31.10
$31.50$32.00Jul 31$0.11$0.39$0.113.55$31.61
$32.00$33.00Aug 14$0.25$0.75$0.253.00$32.25
$29.00$29.50Jul 31$0.13$0.37$0.132.85$29.13
$31.50$32.00Aug 7$0.13$0.37$0.132.85$31.63
BEAR PUT (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$26.00$25.00Aug 28$0.17$0.83$0.174.88$25.83
$25.50$25.00Jul 24$0.11$0.39$0.113.55$25.39
$25.00$24.00Aug 21$0.23$0.77$0.233.35$24.77
$25.00$24.00Aug 28$0.23$0.77$0.233.35$24.77
$28.00$27.50Jul 24$0.14$0.36$0.142.57$27.86

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 67 found (best R:R 3.55, avg 1.02)

BEAR CALL (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$24.00$26.50Jul 31$1.87$1.87$0.632.97$25.87
$30.00$30.50Aug 7$0.34$0.34$0.162.13$30.34
$29.00$29.50Aug 7$0.33$0.33$0.171.94$29.33
$25.00$27.00Aug 14$1.26$1.26$0.741.70$26.26
$27.00$27.50Jul 31$0.31$0.31$0.191.63$27.31
BULL PUT (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$32.50$31.00Aug 7$1.17$1.17$0.333.55$31.33
$29.00$28.50Aug 21$0.38$0.38$0.123.17$28.62
$27.00$26.00Aug 28$0.72$0.72$0.282.57$26.28
$29.50$29.00Jul 31$0.34$0.34$0.162.12$29.16
$30.00$29.00Aug 21$0.67$0.67$0.332.03$29.33

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 33 found (avg debit $0.62, cheapest $0.08)

CALLS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$33.00Jul 24Jul 31$0.09188.9%82.6%
$32.00Jul 24Jul 31$0.13142.2%75.4%
$31.50Jul 24Jul 31$0.17187.8%82.3%
$31.00Jul 24Jul 31$0.22157.9%78.1%
$30.00Jul 24Jul 31$0.33113.7%71.1%
PUTS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$24.50Jul 24Jul 31$0.08182.8%76.2%
$25.50Jul 24Jul 31$0.21140.6%71.5%
$25.00Jul 24Jul 31$0.25118.3%75.7%
$29.50Jul 24Jul 31$0.2694.0%75.0%
$29.00Jul 24Jul 31$0.3487.1%74.3%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 50 found (cheapest 3.37% of stock, avg 15.45%)

StrikeExpiryCall$Put$TotalBE LowBE HighCost%
$27.50Jul 24$0.38$0.55$0.93$26.57$28.433.37%
$28.00Jul 24$0.35$0.69$1.04$26.96$29.043.77%
$27.00Jul 24$0.78$0.32$1.10$25.90$28.103.99%
$28.50Jul 24$0.14$1.11$1.25$27.25$29.754.53%
$26.00Jul 24$1.43$0.07$1.50$24.50$27.505.44%
$26.50Jul 24$1.40$0.14$1.54$24.96$28.045.58%
$29.00Jul 24$0.05$1.68$1.73$27.27$30.736.27%
$29.50Jul 24$0.03$2.10$2.13$27.37$31.637.72%
$27.50Jul 31$1.22$1.09$2.31$25.19$29.818.37%
$25.50Jul 24$2.17$0.16$2.33$23.17$27.838.45%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 134 found (cheapest 0.43% of stock, avg 10.37%)

Call KPut KExpiryCall$Put$TotalBE LowBE High
$29.00$26.00Jul 24$0.05$0.07$0.12$25.88$29.12
$31.50$26.00Jul 24$0.08$0.07$0.15$25.85$31.65
$29.00$26.50Jul 24$0.05$0.14$0.19$26.31$29.19
$29.00$24.50Jul 24$0.05$0.14$0.19$24.31$29.19
$28.50$26.00Jul 24$0.14$0.07$0.21$25.79$28.71
$29.00$25.50Jul 24$0.05$0.16$0.21$25.29$29.21
$31.50$26.50Jul 24$0.08$0.14$0.22$26.28$31.72
$31.50$24.50Jul 24$0.08$0.14$0.22$24.28$31.72
$31.50$25.50Jul 24$0.08$0.16$0.24$25.26$31.74
$28.50$26.50Jul 24$0.14$0.14$0.28$26.22$28.78

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 78 found (best R:R 9.00, avg credit $0.71)

Put SpreadCall SpreadExpiryCreditMax LossR:RBE LowBE High
24/2530/31Aug 14$0.90$0.109.00$24.10$30.90
29/3032/33Aug 21$0.90$0.109.00$29.10$33.40
28/2829/30Aug 7$0.89$0.118.09$27.61$29.89
26/2628/29Aug 21$0.89$0.118.09$25.61$28.89
26/2629/30Aug 21$0.88$0.127.33$25.62$29.88
25/2627/28Aug 21$0.87$0.136.69$25.13$27.87
23/2426/27Aug 21$1.29$0.216.14$22.71$26.79
27/2828/29Aug 21$0.83$0.174.88$26.67$28.83
24/2528/29Aug 14$0.82$0.184.56$24.18$28.82
24/2529/30Aug 14$0.82$0.184.56$24.18$29.82

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 35 found (best R:R 9.00, cheapest $0.05)

CALLS (5)
LowMidHighExpiryDebitMax GainR:R
$24.50$25.00$25.50Jul 24$0.06$0.447.33
$32.00$32.50$33.00Jul 31$0.06$0.447.33
$27.00$28.00$29.00Aug 14$0.12$0.887.33
$28.50$29.00$29.50Jul 24$0.07$0.436.14
$31.50$32.00$32.50Jul 31$0.07$0.436.14
PUTS (5)
LowMidHighExpiryDebitMax GainR:R
$26.50$27.00$27.50Jul 24$0.05$0.459.00
$24.00$25.00$26.00Aug 21$0.12$0.887.33
$28.00$28.50$29.00Aug 21$0.08$0.425.25
$26.00$26.50$27.00Jul 24$0.11$0.393.55
$25.00$25.50$26.00Jul 31$0.12$0.383.17

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 41 found (best net $-0.41, 36 credits)

CALLS (5)
Buy KSell KRatioExpiryNetMax Gain
$30.00$32.001:2Aug 21-$0.68$1.32
$31.00$33.001:2Aug 28-$0.88$1.12
$28.00$29.001:2Jul 31-$0.30$0.70
$28.00$30.001:2Aug 28-$1.49$0.51
$29.50$30.001:2Jul 24-$0.05$0.45
PUTS (5)
Buy KSell KRatioExpiryNetMax Gain
$32.00$28.001:2Aug 14-$0.41$3.59
$27.00$25.001:2Aug 14-$0.67$1.33
$24.00$23.001:2Aug 21-$0.26$0.74
$27.50$27.001:2Jul 24-$0.09$0.41
$24.50$24.001:2Jul 31-$0.10$0.40

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 39 found (best yield 10.00%, avg 4.35%)

StrikeExpiryBidDeltaOTM%Yield%If Called%VolOI
$28.00Aug 28$2.760.541.5%10.00%11.49%1--
$28.00Aug 21$2.750.521.5%9.97%11.45%9--
$28.00Sep 4$2.380.551.5%8.63%10.11%27--
$28.00Aug 14$2.320.521.5%8.41%9.89%1--
$29.00Aug 21$2.220.475.1%8.05%13.16%431
$28.00Aug 7$2.140.511.5%7.76%9.24%785
$30.00Aug 28$1.980.448.7%7.18%15.91%3027
$29.00Aug 14$1.950.475.1%7.07%12.18%1--
$30.00Aug 21$1.950.428.7%7.07%15.80%34314
$29.00Aug 7$1.740.455.1%6.31%11.42%1752

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 7,445
Total Puts 10,776
Put/Call Ratio 1.45
Net Difference -3,331

Prior's Put/Call Breakdown

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

Prior 7-Day Put/Call Summary

Total Calls 51,041
Total Puts 46,964
Average Put/Call Ratio 0.98
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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Chart Title

Price — Past 7 Days

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