Tour v397
UPST
UPSTART HLDGS INC
$26.93 -2.45%
$27.79 (+3.19%)🌅
as of 07/25 04:04 AM
(7/23 19:15) ◀
|
Friday, July 24, 2026 (4:04am)
January 2026
|
▶ (7/27 19:13)
◀ 7/24 04:04 ▶

Option Volume

Detail
ℹ
Current (07/25) 9,665
Calls: 6,246 (65%)
Puts: 3,419 (35%)
Prior (07/23) 18,221
Calls: 7,445 (41%)
Puts: 10,776 (59%)
Current vs Prior -46.96%
Calls: -16.10% (Calls)
Puts: -68.27% (Puts)
Prior 7-Day Total 103,232
Calls: 52,906 (51%)
Puts: 50,326 (49%)
Prior 7-Day Average 14,747
Calls: 7,558 (51%)
Puts: 7,189 (49%)
Current vs Prior 7-Day Avg -34.46%
Calls: -17.36%
Puts: -52.44%
Sentiment BULLISH

Dollar Volume

Detail
ℹ
Current (07/25) $2.06M
Calls: $1.29M (63%)
Puts: $764.7K (37%)
Prior (07/23) $3.82M
Calls: $1.28M (34%)
Puts: $2.54M (66%)
Current vs Prior -46.14%
Calls: +0.76%
Puts: -69.86%
Prior 7-Day Total $20.17M
Calls: $7.88M (39%)
Puts: $12.29M (61%)
Prior 7-Day Average $2.88M
Calls: $1.13M (39%)
Puts: $1.76M (61%)
Current vs Prior 7-Day Avg -28.59%
Calls: +14.86%
Puts: -56.45%
Sentiment BULLISH

Put/Call Ratio

Detail
ℹ
Current (07/25) 0.55
Prior (07/23) 1.45
Current vs Prior -62.18%
Prior 7-Day Average 1.00
Current vs Prior 7-Day Avg -45.01%
Sentiment BULLISH

Open Interest

Detail
ℹ
Current (07/25) 143,411
Calls: 88,420 (62%)
Puts: 54,991 (38%)
Prior (07/23) 147,854
Calls: 98,907 (67%)
Puts: 48,947 (33%)
Current vs Prior -3.00%
Prior 7-Day Total 1,014,467
Calls: 649,192 (64%)
Puts: 365,275 (36%)
Prior 7-Day Average 144,923
Calls: 92,741 (64%)
Puts: 52,182 (36%)
Current vs Prior 7-Day Avg -1.04%
Sentiment BEARISH

Expected Move

Detail
ℹ
Expiry (07/31) | Next (08/07)Expiry (08/21) | Next (09/18)
Current 8.99% | 19.01%22.32% | 26.40%
Prior 3.88% | 9.57%21.96% | 26.64%
Current vs Prior +131.71% | +98.69%+1.61% | -0.89%
Prior 7-Day Avg 6.13% | 10.54%14.66% | 25.39%
Current vs 7-Day Avg +46.59% | +80.43%+52.19% | +3.97%
Prior 7-Day Eod 3.88% | 9.57%21.96% | 26.64%
Current vs 7-Day Eod +131.71% | +98.69%+1.61% | -0.89%
Sentiment BEARISHBEARISH

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 bullish flow with 63% call dollar volume ($1.29M). Below-average activity with volume down 47% vs prior. Bullish P/C ratio of 0.55. P/C ratio dropping 62% - sentiment shifting bullish.

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 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

Options with the tightest bid-ask spreads (<10%). Lower spreads = better fills and less slippage. Showing top 10 of results (avg 8.0%, best 6.4%)

CALLS (3)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$26.50Jul 311.251.34$1.306.9%30.58--
$29.50Jul 310.250.27$0.267.7%360.19123
$27.50Aug 212.432.67$2.559.4%10.52--
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$31.50Aug 75.305.65$5.486.4%10.72--
$29.00Jul 312.332.50$2.427.0%650.75142
$30.00Aug 284.705.05$4.887.2%30.59--
$27.50Aug 212.923.15$3.047.6%90.48--
$28.50Jul 311.952.14$2.059.3%400.69207

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 4 found (avg $0.59, cheapest $0.26)

CALLS (3)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$29.50Jul 310.250.27$0.267.7%360.19123
$29.00Jul 310.340.41$0.3818.4%2000.25161
$27.50Jul 310.770.93$0.8518.8%5970.44553
PUTS (1)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$22.00Aug 280.830.95$0.8913.5%30.19378

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 36 found (avg delta 0.65, highest 0.95)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$23.00Jul 312.835.20$4.0259.0%20.955
$24.00Jul 312.513.40$2.9630.1%50.884
$25.00Jul 312.132.37$2.2510.7%100.784
$25.00Aug 213.704.10$3.9010.3%20.66--
$26.00Jul 311.541.73$1.6411.6%60.66--
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$32.00Jul 313.906.35$5.1347.8%40.9272
$31.50Jul 313.604.85$4.2229.6%10.91--
$31.00Jul 313.604.80$4.2028.6%480.89408
$30.00Jul 312.823.75$3.2928.3%310.85440
$29.50Jul 311.753.60$2.6869.0%40.81136

Most actively traded options today. High liquidity = easy entry/exit. 106 active (total vol 4.6K, top 763)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Jul 310.150.24$0.2045.0%7630.15792
$27.50Jul 310.770.93$0.8518.8%5970.44553
$28.00Jul 310.610.78$0.7024.3%2480.38136
$29.00Jul 310.340.41$0.3818.4%2000.25161
$32.00Jul 310.050.09$0.0757.1%1610.06662
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$24.00Jul 310.130.21$0.1747.1%5420.1296
$22.00Jul 310.012.12$1.07197.2%2300.074
$27.00Jul 311.041.19$1.1213.4%1490.49795
$26.00Aug 71.772.00$1.8912.2%740.39299
$25.00Aug 211.681.91$1.8012.8%710.34635

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 1 strikes (avg 20.9%, max 20.9%)

CALLS (0)
No calls found
PUTS (1)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$22.00Jul 31Aug 28107.3%88.8%20.9%233382

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 64 found (best R:R 5.25, avg 1.67)

BULL CALL (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$31.00$32.00Aug 14$0.16$0.84$0.165.25$31.16
$29.00$30.00Aug 21$0.16$0.84$0.165.25$29.16
$31.00$32.00Aug 28$0.17$0.83$0.174.88$31.17
$29.00$29.50Jul 31$0.12$0.38$0.123.17$29.12
$30.00$31.00Aug 14$0.24$0.76$0.243.17$30.24
BEAR PUT (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$24.00$23.50Jul 31$0.10$0.40$0.104.00$23.90
$24.50$24.00Aug 7$0.10$0.40$0.104.00$24.40
$23.00$22.00Aug 7$0.26$0.74$0.262.85$22.74
$25.50$25.00Jul 31$0.15$0.35$0.152.33$25.35
$26.00$25.50Jul 31$0.16$0.34$0.162.12$25.84

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 71 found (best R:R 4.00, avg 1.01)

BEAR CALL (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$24.00$25.00Jul 31$0.71$0.71$0.292.45$24.71
$27.50$28.00Aug 7$0.35$0.35$0.152.33$27.85
$26.00$26.50Jul 31$0.34$0.34$0.162.12$26.34
$28.50$29.00Aug 7$0.31$0.31$0.191.63$28.81
$27.00$27.50Aug 21$0.31$0.31$0.191.63$27.31
BULL PUT (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$29.00$28.50Aug 7$0.40$0.40$0.104.00$28.60
$29.00$28.50Jul 31$0.37$0.37$0.132.85$28.63
$28.50$28.00Jul 31$0.35$0.35$0.152.33$28.15
$28.00$27.50Aug 7$0.35$0.35$0.152.33$27.65
$30.00$28.00Aug 21$1.33$1.33$0.671.99$28.67

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 28 found (avg debit $1.20, cheapest $0.73)

CALLS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$32.00Jul 31Aug 7$0.7777.4%114.6%
$31.00Jul 31Aug 7$0.8377.4%110.5%
$31.50Jul 31Aug 7$0.8475.9%114.3%
$30.00Jul 31Aug 7$1.0571.6%112.3%
$30.50Jul 31Aug 7$1.1073.0%119.0%
PUTS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$23.00Jul 31Aug 7$0.7371.3%115.3%
$31.00Jul 31Aug 7$0.8877.4%110.5%
$24.00Jul 31Aug 7$0.9874.6%118.2%
$24.50Jul 31Aug 7$1.0667.5%113.9%
$25.00Jul 31Aug 7$1.1174.4%114.9%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 31 found (cheapest 8.10% of stock, avg 16.56%)

StrikeExpiryCall$Put$TotalBE LowBE HighCost%
$26.50Jul 31$1.30$0.88$2.18$24.32$28.688.10%
$27.00Jul 31$1.08$1.12$2.20$24.80$29.208.17%
$27.50Jul 31$0.85$1.40$2.25$25.25$29.758.35%
$26.00Jul 31$1.64$0.67$2.31$23.69$28.318.58%
$28.00Jul 31$0.70$1.70$2.40$25.60$30.408.91%
$28.50Jul 31$0.52$2.05$2.57$25.93$31.079.54%
$25.00Jul 31$2.25$0.36$2.61$22.39$27.619.69%
$29.00Jul 31$0.38$2.42$2.80$26.20$31.8010.40%
$29.50Jul 31$0.26$2.68$2.94$26.56$32.4410.92%
$24.00Jul 31$2.96$0.17$3.13$20.87$27.1311.62%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 97 found (cheapest 2.30% of stock, avg 11.87%)

Call KPut KExpiryCall$Put$TotalBE LowBE High
$29.50$25.00Jul 31$0.26$0.36$0.62$24.38$30.12
$29.00$25.00Jul 31$0.38$0.36$0.74$24.26$29.74
$29.50$25.50Jul 31$0.26$0.51$0.77$24.73$30.27
$28.50$25.00Jul 31$0.52$0.36$0.88$24.12$29.38
$29.00$25.50Jul 31$0.38$0.51$0.89$24.61$29.89
$29.50$26.00Jul 31$0.26$0.67$0.93$25.07$30.43
$28.50$25.50Jul 31$0.52$0.51$1.03$24.47$29.53
$29.00$26.00Jul 31$0.38$0.67$1.05$24.95$30.05
$28.00$25.00Jul 31$0.70$0.36$1.06$23.94$29.06
$29.50$26.50Jul 31$0.26$0.88$1.14$25.36$30.64

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 110 found (best R:R 6.69, avg credit $0.59)

Put SpreadCall SpreadExpiryCreditMax LossR:RBE LowBE High
26/2728/28Aug 7$0.87$0.136.69$26.13$28.37
25/2627/28Aug 28$0.85$0.155.67$25.15$27.85
26/2729/30Aug 7$0.84$0.165.25$26.16$29.84
26/2728/29Aug 7$0.83$0.174.88$26.17$29.33
28/3032/32Aug 21$1.64$0.364.56$28.36$33.14
27/2829/30Jul 31$0.40$0.104.00$27.10$29.40
26/2730/31Aug 7$0.80$0.204.00$26.20$31.30
23/2430/31Aug 21$0.80$0.204.00$23.20$30.80
26/2628/28Aug 21$0.40$0.104.00$25.60$28.40
26/2728/28Aug 21$0.40$0.104.00$26.60$28.40

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 27 found (best R:R 13.29, cheapest $0.05)

CALLS (5)
LowMidHighExpiryDebitMax GainR:R
$27.00$28.00$29.00Aug 28$0.07$0.9313.29
$30.00$31.00$32.00Aug 14$0.08$0.9211.50
$24.00$25.00$26.00Jul 31$0.10$0.909.00
$25.00$26.00$27.00Aug 21$0.10$0.909.00
$29.00$29.50$30.00Jul 31$0.06$0.447.33
PUTS (5)
LowMidHighExpiryDebitMax GainR:R
$25.50$26.00$26.50Jul 31$0.05$0.459.00
$22.00$23.00$24.00Aug 7$0.10$0.909.00
$25.00$25.50$26.00Aug 21$0.05$0.459.00
$25.00$25.50$26.00Aug 7$0.06$0.447.33
$27.00$27.50$28.00Aug 7$0.08$0.425.25

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 23 found (best net $--, 23 credits)

CALLS (5)
Buy KSell KRatioExpiryNetMax Gain
$27.00$30.001:2Aug 14-$0.27$2.73
$28.00$30.001:2Sep 4-$1.40$0.60
$31.50$32.001:2Jul 31-$0.05$0.45
$30.00$30.501:2Jul 31-$0.10$0.40
$30.50$31.001:2Jul 31-$0.13$0.37
PUTS (5)
Buy KSell KRatioExpiryNetMax Gain
$30.00$26.001:2Aug 28$0.00$4.00
$25.00$23.001:2Aug 28-$0.49$1.51
$27.00$25.001:2Aug 14-$0.64$1.36
$23.00$22.001:2Aug 7-$0.27$0.73
$24.00$23.001:2Aug 7-$0.43$0.57

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 40 found (best yield 10.03%, avg 5.01%)

StrikeExpiryBidDeltaOTM%Yield%If Called%VolOI
$27.00Aug 28$2.700.550.3%10.03%10.29%32
$28.00Sep 4$2.600.514.0%9.65%13.63%126
$27.00Aug 21$2.560.550.3%9.51%9.77%115
$27.00Aug 14$2.450.550.3%9.10%9.36%1--
$27.50Aug 21$2.430.522.1%9.02%11.14%1--
$28.00Aug 28$2.410.504.0%8.95%12.92%3--
$28.00Aug 21$2.160.494.0%8.02%11.99%549
$29.00Aug 28$2.030.467.7%7.54%15.22%1--
$28.50Aug 21$2.020.475.8%7.50%13.33%912
$27.50Aug 7$1.970.512.1%7.32%9.43%2416

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 6,246
Total Puts 3,419
Put/Call Ratio 0.55
Net Difference 2,827

Prior's Put/Call Breakdown

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

Prior 7-Day Put/Call Summary

Total Calls 52,906
Total Puts 50,326
Average Put/Call Ratio 1.00
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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