Tour v423
UPST
UPSTART HLDGS INC
$27.49 +2.08%
$27.59 (+0.36%)🌙
as of 07/27 07:13 PM
(7/24 04:04) ◀
|
Monday, July 27, 2026 (7:13pm)
January 2026
|
▶ (7/28 19:13)
◀ 7/27 19:13 ▶

Option Volume

Detail
ℹ
Current (07/27) 9,118
Calls: 6,215 (68%)
Puts: 2,903 (32%)
Prior (07/24) 9,665
Calls: 6,246 (65%)
Puts: 3,419 (35%)
Current vs Prior -5.66%
Calls: -0.50% (Calls)
Puts: -15.09% (Puts)
Prior 7-Day Total 104,840
Calls: 53,401 (51%)
Puts: 51,439 (49%)
Prior 7-Day Average 14,977
Calls: 7,628 (51%)
Puts: 7,348 (49%)
Current vs Prior 7-Day Avg -39.12%
Calls: -18.53%
Puts: -60.49%
Sentiment BULLISH

Dollar Volume

Detail
ℹ
Current (07/27) $1.73M
Calls: $608.6K (35%)
Puts: $1.12M (65%)
Prior (07/24) $2.06M
Calls: $1.29M (63%)
Puts: $764.7K (37%)
Current vs Prior -15.80%
Calls: -52.93%
Puts: +46.98%
Prior 7-Day Total $21.02M
Calls: $8.51M (40%)
Puts: $12.51M (60%)
Prior 7-Day Average $3.00M
Calls: $1.22M (40%)
Puts: $1.79M (60%)
Current vs Prior 7-Day Avg -42.29%
Calls: -49.92%
Puts: -37.10%
Sentiment BEARISH

Put/Call Ratio

Detail
ℹ
Current (07/27) 0.47
Prior (07/24) 0.55
Current vs Prior -14.67%
Prior 7-Day Average 1.02
Current vs Prior 7-Day Avg -54.04%
Sentiment BULLISH

Open Interest

Detail
ℹ
Current (07/27) 143,041
Calls: 85,046 (59%)
Puts: 57,995 (41%)
Prior (07/24) 143,411
Calls: 88,420 (62%)
Puts: 54,991 (38%)
Current vs Prior -0.26%
Prior 7-Day Total 1,034,451
Calls: 650,382 (63%)
Puts: 384,069 (37%)
Prior 7-Day Average 147,778
Calls: 92,911 (63%)
Puts: 54,867 (37%)
Current vs Prior 7-Day Avg -3.21%
Sentiment BEARISH

Expected Move

Detail
ℹ
Expiry (07/31) | Next (08/07)Expiry (08/21) | Next (09/18)
Current 8.22% | 18.55%21.75% | 25.86%
Prior 8.99% | 19.01%22.32% | 26.40%
Current vs Prior -8.51% | -2.42%-2.53% | -2.04%
Prior 7-Day Avg 6.55% | 11.81%16.99% | 25.74%
Current vs 7-Day Avg +25.43% | +57.08%+28.01% | +0.47%
Prior 7-Day Eod 8.99% | 19.01%22.32% | 26.40%
Current vs 7-Day Eod -8.51% | -2.42%-2.53% | -2.04%
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 65% put dollar volume ($1.12M). Extreme bullish P/C ratio of 0.47 - heavy call buying (6,215 calls vs 2,903 puts).

Smart Money BEARISH
Retail Flow BULLISH
Overall BULLISH
Dollar Volume
Option Volume
Put/Call Ratio
Open Interest
Expected Move
Current BEARISH
Prior BULLISH
7-Day Avg BEARISH
Current BULLISH
Prior BULLISH
7-Day Avg NEUTRAL
Current BULLISH
Prior BULLISH
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 12 of results (avg 7.8%, best 4.9%)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$28.00Aug 212.562.69$2.634.9%1070.5260
$30.00Aug 211.781.90$1.846.5%270.41316
$32.00Aug 70.860.92$0.896.7%1620.27332
$29.00Aug 212.062.26$2.169.3%10.4653
$29.00Jul 310.400.44$0.429.5%2190.29262
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$25.00Aug 211.521.60$1.565.1%40.31622
$28.00Aug 212.883.10$2.997.4%20.48548
$32.00Aug 285.706.20$5.958.4%500.654
$31.00Aug 74.454.85$4.658.6%70.67--
$31.00Aug 284.855.30$5.078.9%10.61--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 7 found (avg $0.65, cheapest $0.22)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Jul 310.200.24$0.2218.2%8440.181.4K
$29.50Jul 310.290.33$0.3112.9%2540.23146
$29.00Jul 310.400.44$0.429.5%2190.29262
$32.00Aug 70.860.92$0.896.7%1620.27332
$31.50Aug 70.881.07$0.9819.4%1020.2928
PUTS (2)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$27.00Jul 310.670.80$0.7417.6%1190.40876
$27.50Jul 310.911.01$0.9610.4%1290.48497

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 41 found (avg delta 0.69, highest 0.95)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$22.00Jul 314.306.85$5.5745.8%10.94--
$23.00Jul 313.306.65$4.9767.4%40.935
$23.50Jul 312.865.75$4.3167.1%10.93--
$25.00Jul 312.134.00$3.0760.9%40.8614
$22.00Aug 74.607.85$6.2352.2%100.86--
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$32.50Jul 313.706.90$5.3060.4%50.95--
$32.00Jul 314.255.05$4.6517.2%10.94--
$31.50Jul 312.775.30$4.0462.6%40.9420
$31.00Jul 312.824.75$3.7950.9%20.90--
$30.50Jul 312.024.40$3.2174.1%40.8730

Most actively traded options today. High liquidity = easy entry/exit. 121 active (total vol 5.6K, top 844)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Jul 310.200.24$0.2218.2%8440.181.4K
$31.00Jul 310.100.15$0.1338.5%4870.11522
$32.00Jul 310.050.07$0.0633.3%2950.06788
$29.50Jul 310.290.33$0.3112.9%2540.23146
$29.00Jul 310.400.44$0.429.5%2190.29262
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$25.00Jul 310.100.29$0.2095.0%4290.14322
$25.00Sep 41.752.14$1.9520.0%2060.32--
$26.00Aug 71.321.70$1.5125.2%2000.36--
$26.00Jul 310.340.45$0.4027.5%1740.25938
$24.00Jul 310.010.13$0.07171.4%1430.06576

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 6 strikes (avg 26.2%, max 81.0%)

CALLS (2)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$26.00Aug 21Sep 492.2%79.5%16.0%512
$22.00Jul 31Aug 7146.7%131.3%11.7%11--
PUTS (4)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$22.00Jul 31Sep 4146.7%81.1%81.0%3233
$23.00Jul 31Sep 4121.9%89.3%36.6%62--
$26.00Jul 31Sep 488.4%79.5%11.3%176938
$25.00Jul 31Sep 490.9%90.3%0.6%635322

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 65 found (best R:R 7.33, avg 1.84)

BULL CALL (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$31.00$32.00Aug 14$0.16$0.84$0.165.25$31.16
$30.00$31.00Aug 21$0.19$0.81$0.194.26$30.19
$29.00$29.50Jul 31$0.11$0.39$0.113.55$29.11
$28.50$29.00Aug 21$0.12$0.38$0.123.17$28.62
$30.00$32.00Aug 28$0.54$1.46$0.542.70$30.54
BEAR PUT (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$23.00$22.00Aug 7$0.12$0.88$0.127.33$22.88
$23.00$22.00Aug 28$0.18$0.82$0.184.56$22.82
$24.00$23.00Aug 7$0.23$0.77$0.233.35$23.77
$24.50$24.00Aug 21$0.12$0.38$0.123.17$24.38
$25.00$24.50Aug 21$0.13$0.37$0.132.85$24.87

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 78 found (best R:R 7.33, avg 1.22)

BEAR CALL (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$23.50$25.00Jul 31$1.24$1.24$0.264.77$24.74
$22.00$25.00Aug 7$2.45$2.45$0.554.45$24.45
$27.00$27.50Aug 7$0.36$0.36$0.142.57$27.36
$28.00$28.50Aug 21$0.35$0.35$0.152.33$28.35
$29.00$29.50Aug 14$0.32$0.32$0.181.78$29.32
BULL PUT (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$32.00$31.00Aug 28$0.88$0.88$0.127.33$31.12
$30.00$28.50Aug 21$1.22$1.22$0.284.36$28.78
$27.00$26.00Sep 4$0.81$0.81$0.194.26$26.19
$26.50$26.00Aug 14$0.37$0.37$0.132.85$26.13
$29.50$29.00Jul 31$0.36$0.36$0.142.57$29.14

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 32 found (avg debit $1.06, cheapest $0.30)

CALLS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$26.00Aug 21Aug 28$0.3092.2%88.3%
$22.00Jul 31Aug 7$0.66146.7%131.3%
$25.00Jul 31Aug 7$0.7190.9%119.9%
$32.50Jul 31Aug 7$0.8092.9%129.4%
$32.00Jul 31Aug 7$0.8389.2%125.6%
PUTS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$22.00Jul 31Aug 7$0.38146.7%131.3%
$23.00Jul 31Aug 7$0.51121.9%123.3%
$24.00Jul 31Aug 7$0.7888.8%120.4%
$31.00Jul 31Aug 7$0.8688.7%128.2%
$30.00Jul 31Aug 7$0.8884.7%126.5%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 37 found (cheapest 7.17% of stock, avg 17.01%)

StrikeExpiryCall$Put$TotalBE LowBE HighCost%
$27.50Jul 31$1.01$0.96$1.97$25.53$29.477.17%
$27.00Jul 31$1.30$0.74$2.04$24.96$29.047.42%
$28.00Jul 31$0.79$1.25$2.04$25.96$30.047.42%
$26.50Jul 31$1.60$0.55$2.15$24.35$28.657.82%
$28.50Jul 31$0.61$1.58$2.19$26.31$30.697.97%
$29.00Jul 31$0.42$1.92$2.34$26.66$31.348.51%
$29.50Jul 31$0.31$2.28$2.59$26.91$32.099.42%
$25.00Jul 31$3.07$0.20$3.27$21.73$28.2711.90%
$30.00Jul 31$0.22$3.05$3.27$26.73$33.2711.90%
$30.50Jul 31$0.17$3.21$3.38$27.12$33.8812.30%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 115 found (cheapest 1.75% of stock, avg 11.23%)

Call KPut KExpiryCall$Put$TotalBE LowBE High
$30.00$25.50Jul 31$0.22$0.26$0.48$25.02$30.48
$29.50$25.50Jul 31$0.31$0.26$0.57$24.93$30.07
$30.00$26.00Jul 31$0.22$0.40$0.62$25.38$30.62
$29.00$25.50Jul 31$0.42$0.26$0.68$24.82$29.68
$29.50$26.00Jul 31$0.31$0.40$0.71$25.29$30.21
$30.00$26.50Jul 31$0.22$0.55$0.77$25.73$30.77
$29.00$26.00Jul 31$0.42$0.40$0.82$25.18$29.82
$29.50$26.50Jul 31$0.31$0.55$0.86$25.64$30.36
$28.50$25.50Jul 31$0.61$0.26$0.87$24.63$29.37
$30.00$27.00Jul 31$0.22$0.74$0.96$26.04$30.96

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 108 found (best R:R 5.25, avg credit $0.65)

Put SpreadCall SpreadExpiryCreditMax LossR:RBE LowBE High
26/2630/31Aug 14$0.84$0.165.25$25.66$30.84
26/2731/32Aug 7$0.40$0.104.00$26.60$31.40
23/2428/29Aug 28$0.80$0.204.00$23.20$28.80
23/2429/30Aug 28$0.79$0.213.76$23.21$29.79
28/2831/32Aug 7$0.39$0.113.55$27.61$31.39
24/2528/29Aug 28$0.78$0.223.55$24.22$28.78
24/2529/30Aug 28$0.77$0.233.35$24.23$29.77
26/2728/29Jul 31$0.38$0.123.17$26.62$28.88
25/2626/28Aug 21$1.12$0.382.95$24.38$27.12
26/2628/28Jul 31$0.37$0.132.85$26.13$27.87

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 29 found (best R:R 9.00, cheapest $0.05)

CALLS (5)
LowMidHighExpiryDebitMax GainR:R
$31.50$32.00$32.50Aug 7$0.05$0.459.00
$29.00$30.00$31.00Aug 21$0.13$0.876.69
$27.00$27.50$28.00Jul 31$0.07$0.436.14
$28.50$29.00$29.50Jul 31$0.08$0.425.25
$31.00$31.50$32.00Aug 7$0.09$0.414.56
PUTS (5)
LowMidHighExpiryDebitMax GainR:R
$23.00$24.00$25.00Aug 7$0.10$0.909.00
$22.00$23.00$24.00Aug 7$0.11$0.898.09
$27.00$27.50$28.00Jul 31$0.07$0.436.14
$25.00$25.50$26.00Jul 31$0.08$0.425.25
$23.50$24.00$24.50Jul 31$0.10$0.404.00

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 35 found (best net $-0.04, 33 credits)

CALLS (5)
Buy KSell KRatioExpiryNetMax Gain
$26.00$31.001:2Sep 4-$0.04$4.96
$25.00$29.001:2Aug 14-$0.24$3.76
$22.00$25.001:2Aug 7-$1.33$1.67
$25.00$26.501:2Jul 31-$0.13$1.37
$30.00$32.001:2Aug 28-$1.03$0.97
PUTS (5)
Buy KSell KRatioExpiryNetMax Gain
$31.00$27.001:2Aug 28-$0.33$3.67
$25.00$23.001:2Sep 4-$0.41$1.59
$26.00$24.001:2Aug 14-$0.49$1.51
$27.50$25.501:2Aug 21-$0.94$1.06
$23.00$22.001:2Jul 31-$0.13$0.87

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 40 found (best yield 9.68%, avg 4.65%)

StrikeExpiryBidDeltaOTM%Yield%If Called%VolOI
$28.00Aug 28$2.660.541.9%9.68%11.53%104
$28.00Aug 21$2.560.521.9%9.31%11.17%10760
$27.50Aug 21$2.380.550.0%8.66%8.69%825
$29.00Aug 28$2.240.495.5%8.15%13.64%5--
$28.50Aug 21$2.090.493.7%7.60%11.28%1021
$27.50Aug 7$2.080.540.0%7.57%7.60%831
$29.00Aug 21$2.060.465.5%7.49%12.99%153
$28.00Aug 7$2.010.511.9%7.31%9.17%8102
$30.00Aug 28$1.880.449.1%6.84%15.97%143
$29.00Aug 14$1.840.465.5%6.69%12.19%41

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 6,215
Total Puts 2,903
Put/Call Ratio 0.47
Net Difference 3,312

Prior's Put/Call Breakdown

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

Prior 7-Day Put/Call Summary

Total Calls 53,401
Total Puts 51,439
Average Put/Call Ratio 1.02
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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