Tour v452
UPST
UPSTART HLDGS INC
$27.82 +1.20%
$27.49 (-1.18%)🌙
as of 07/28 07:13 PM
(7/27 19:13) ◀
|
Tuesday, July 28, 2026 (7:13pm)
January 2026
|
▶ (7/29 19:19)
◀ 7/28 19:13 ▶

Option Volume

Detail
ℹ
Current (07/28) 10,817
Calls: 8,986 (83%)
Puts: 1,831 (17%)
Prior (07/27) 9,118
Calls: 6,215 (68%)
Puts: 2,903 (32%)
Current vs Prior +18.63%
Calls: +44.59% (Calls)
Puts: -36.93% (Puts)
Prior 7-Day Total 99,477
Calls: 53,056 (53%)
Puts: 46,421 (47%)
Prior 7-Day Average 14,211
Calls: 7,579 (53%)
Puts: 6,631 (47%)
Current vs Prior 7-Day Avg -23.88%
Calls: +18.56%
Puts: -72.39%
Sentiment BULLISH

Dollar Volume

Detail
ℹ
Current (07/28) $1.67M
Calls: $1.15M (69%)
Puts: $523.4K (31%)
Prior (07/27) $1.73M
Calls: $608.6K (35%)
Puts: $1.12M (65%)
Current vs Prior -3.64%
Calls: +88.32%
Puts: -53.43%
Prior 7-Day Total $18.36M
Calls: $8.35M (45%)
Puts: $10.01M (55%)
Prior 7-Day Average $2.62M
Calls: $1.19M (45%)
Puts: $1.43M (55%)
Current vs Prior 7-Day Avg -36.34%
Calls: -3.87%
Puts: -63.40%
Sentiment BULLISH

Put/Call Ratio

Detail
ℹ
Current (07/28) 0.20
Prior (07/27) 0.47
Current vs Prior -56.38%
Prior 7-Day Average 0.91
Current vs Prior 7-Day Avg -77.62%
Sentiment BULLISH

Open Interest

Detail
ℹ
Current (07/28) 142,925
Calls: 93,886 (66%)
Puts: 49,039 (34%)
Prior (07/27) 143,041
Calls: 85,046 (59%)
Puts: 57,995 (41%)
Current vs Prior -0.08%
Prior 7-Day Total 1,019,820
Calls: 636,738 (62%)
Puts: 383,082 (38%)
Prior 7-Day Average 145,688
Calls: 90,962 (62%)
Puts: 54,726 (38%)
Current vs Prior 7-Day Avg -1.90%
Sentiment BEARISH

Expected Move

Detail
ℹ
Expiry (07/31) | Next (08/07)Expiry (08/21) | Next (09/18)
Current 7.37% | 17.86%20.13% | 25.70%
Prior 8.22% | 18.55%21.75% | 25.86%
Current vs Prior -10.37% | -3.70%-7.47% | -0.63%
Prior 7-Day Avg 7.16% | 13.18%19.53% | 26.29%
Current vs 7-Day Avg +2.98% | +35.55%+3.08% | -2.23%
Prior 7-Day Eod 8.22% | 18.55%21.75% | 25.86%
Current vs 7-Day Eod -10.37% | -3.70%-7.47% | -0.63%
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 bullish flow with 69% call dollar volume ($1.15M). Extreme bullish P/C ratio of 0.20 - heavy call buying (8,986 calls vs 1,831 puts). P/C ratio dropping 56% - sentiment shifting bullish. Call-heavy open interest (93,886 calls vs 49,039 puts) suggests bullish positioning.

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 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 7 of results (avg 6.6%, best 2.6%)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$28.00Aug 212.652.80$2.725.5%30.55151
$28.00Jul 310.780.83$0.816.2%1010.48289
$27.00Aug 72.702.88$2.796.5%210.587
$30.00Aug 211.852.00$1.937.8%190.43317
$32.00Aug 70.880.97$0.939.7%1320.28454
PUTS (2)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Aug 143.803.90$3.852.6%140.5966
$28.00Aug 212.652.87$2.768.0%10.46--

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 3 found (avg $0.82, cheapest $0.73)

CALLS (2)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$28.00Jul 310.780.83$0.816.2%1010.48289
$32.00Aug 70.880.97$0.939.7%1320.28454
PUTS (1)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$27.50Jul 310.670.79$0.7316.4%150.43612

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 48 found (avg delta 0.67, highest 1.00)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$23.00Jul 313.806.05$4.9345.6%11.00--
$23.50Jul 313.205.45$4.3352.0%10.92--
$24.00Jul 312.825.00$3.9155.8%10.91--
$23.00Aug 73.856.50$5.1851.2%20.83--
$26.00Jul 310.793.35$2.07123.7%150.816
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$33.00Jul 314.006.55$5.2848.3%10.9798
$32.00Jul 314.005.50$4.7531.6%120.9675
$31.00Jul 312.784.15$3.4739.5%400.92--
$30.50Jul 312.503.95$3.2344.9%100.8730
$30.00Jul 312.252.90$2.5825.2%200.82415

Most actively traded options today. High liquidity = easy entry/exit. 122 active (total vol 7.0K, top 1.5K)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$30.00Jul 310.160.25$0.2142.9%1.5K0.181.7K
$30.50Jul 310.100.17$0.1450.0%1.1K0.13255
$28.50Jul 310.450.67$0.5639.3%5870.39138
$31.00Jul 310.040.10$0.0785.7%3970.08953
$29.50Jul 310.240.33$0.2931.0%3130.23387
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$26.00Jul 310.120.33$0.2391.3%2710.181.1K
$27.00Jul 310.450.67$0.5639.3%1620.34876
$25.50Jul 310.120.22$0.1758.8%950.1489
$24.00Aug 281.211.49$1.3520.7%950.253
$26.50Aug 71.581.86$1.7216.3%750.382

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 11 strikes (avg 8.5%, max 25.7%)

CALLS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$23.00Jul 31Aug 28113.3%96.3%17.7%56--
$26.00Jul 31Sep 487.4%84.3%3.6%166
$31.00Jul 31Sep 483.1%81.1%2.4%398953
$33.00Jul 31Aug 2197.7%96.4%1.3%118248
$30.00Jul 31Aug 2888.2%87.9%0.2%1.5K1.7K
PUTS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$24.00Jul 31Aug 28120.8%96.1%25.7%102695
$23.00Jul 31Sep 4113.3%91.2%24.3%31130
$33.00Jul 31Aug 2897.7%91.1%7.2%2100
$27.00Jul 31Sep 493.2%88.9%4.8%164877
$26.00Jul 31Sep 487.4%84.3%3.6%2761.1K

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 75 found (best R:R 8.09, avg 1.72)

BULL CALL (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$31.00$32.00Sep 4$0.11$0.89$0.118.09$31.11
$32.00$33.00Aug 14$0.17$0.83$0.174.88$32.17
$31.00$32.00Aug 14$0.19$0.81$0.194.26$31.19
$30.00$31.00Aug 21$0.23$0.77$0.233.35$30.23
$29.00$29.50Jul 31$0.12$0.38$0.123.17$29.12
BEAR PUT (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$24.50$23.00Aug 14$0.33$1.17$0.333.55$24.17
$26.50$26.00Jul 31$0.12$0.38$0.123.17$26.38
$24.00$23.00Aug 7$0.25$0.75$0.253.00$23.75
$25.00$24.50Aug 14$0.13$0.37$0.132.85$24.87
$25.00$24.00Aug 21$0.29$0.71$0.292.45$24.71

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 85 found (best R:R 12.33, avg 1.27)

BEAR CALL (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$24.00$26.00Jul 31$1.84$1.84$0.1611.50$25.84
$27.00$27.50Aug 7$0.37$0.37$0.132.85$27.37
$26.00$27.50Aug 21$1.06$1.06$0.442.41$27.06
$23.00$26.00Aug 7$1.93$1.93$1.071.80$24.93
$27.00$27.50Jul 31$0.32$0.32$0.181.78$27.32
BULL PUT (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$33.00$31.00Aug 7$1.85$1.85$0.1512.33$31.15
$28.50$28.00Jul 31$0.37$0.37$0.132.85$28.13
$29.50$29.00Jul 31$0.37$0.37$0.132.85$29.13
$30.00$28.00Aug 21$1.44$1.44$0.562.57$28.56
$31.00$29.00Aug 28$1.43$1.43$0.572.51$29.57

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 31 found (avg debit $1.13, cheapest $0.25)

CALLS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$23.00Jul 31Aug 7$0.25113.3%132.0%
$33.00Jul 31Aug 7$0.7097.7%130.3%
$32.50Jul 31Aug 7$0.7987.1%129.5%
$32.00Jul 31Aug 7$0.9085.7%130.8%
$31.50Jul 31Aug 7$1.0482.1%133.5%
PUTS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$23.00Jul 31Aug 7$0.59113.3%132.0%
$32.00Jul 31Aug 14$0.6385.7%107.8%
$30.50Jul 31Aug 7$0.7487.7%135.5%
$24.00Jul 31Aug 7$0.76120.8%130.8%
$31.00Jul 31Aug 7$0.8183.1%130.5%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 38 found (cheapest 6.43% of stock, avg 16.82%)

StrikeExpiryCall$Put$TotalBE LowBE HighCost%
$28.00Jul 31$0.81$0.98$1.79$26.21$29.796.43%
$27.50Jul 31$1.07$0.73$1.80$25.70$29.306.47%
$28.50Jul 31$0.56$1.35$1.91$26.59$30.416.87%
$27.00Jul 31$1.39$0.56$1.95$25.05$28.957.01%
$26.50Jul 31$1.61$0.35$1.96$24.54$28.467.05%
$29.00Jul 31$0.41$1.63$2.04$26.96$31.047.33%
$29.50Jul 31$0.29$2.00$2.29$27.21$31.798.23%
$26.00Jul 31$2.07$0.23$2.30$23.70$28.308.27%
$30.00Jul 31$0.21$2.58$2.79$27.21$32.7910.03%
$30.50Jul 31$0.14$3.23$3.37$27.13$33.8712.11%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 121 found (cheapest 1.37% of stock, avg 10.49%)

Call KPut KExpiryCall$Put$TotalBE LowBE High
$30.00$25.50Jul 31$0.21$0.17$0.38$25.12$30.38
$30.00$26.00Jul 31$0.21$0.23$0.44$25.56$30.44
$29.50$25.50Jul 31$0.29$0.17$0.46$25.04$29.96
$29.50$26.00Jul 31$0.29$0.23$0.52$25.48$30.02
$30.00$26.50Jul 31$0.21$0.35$0.56$25.94$30.56
$29.00$25.50Jul 31$0.41$0.17$0.58$24.92$29.58
$29.00$26.00Jul 31$0.41$0.23$0.64$25.36$29.64
$29.50$26.50Jul 31$0.29$0.35$0.64$25.86$30.14
$28.50$25.50Jul 31$0.56$0.17$0.73$24.77$29.23
$29.00$26.50Jul 31$0.41$0.35$0.76$25.74$29.76

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 127 found (best R:R 11.50, avg credit $0.71)

Put SpreadCall SpreadExpiryCreditMax LossR:RBE LowBE High
28/3031/32Aug 21$1.84$0.1611.50$28.16$32.84
24/2526/28Aug 21$1.35$0.159.00$23.65$27.35
27/2829/30Aug 7$0.88$0.127.33$27.12$29.88
27/2830/31Aug 7$0.88$0.127.33$27.12$31.38
27/2830/31Aug 14$0.88$0.127.33$27.12$30.88
25/2631/32Aug 21$0.87$0.136.69$25.13$31.87
27/2829/30Aug 14$0.86$0.146.14$27.14$29.86
25/2728/29Aug 14$1.68$0.325.25$25.32$29.18
27/2831/32Aug 21$0.84$0.165.25$27.16$31.84
28/3032/33Aug 21$1.66$0.344.88$28.34$34.16

Buy lower + upper strikes, sell 2x middle strike. Low cost, max profit at the middle strike at expiry. 26 found (best R:R 15.67, cheapest $0.06)

CALLS (5)
LowMidHighExpiryDebitMax GainR:R
$27.00$27.50$28.00Jul 31$0.06$0.447.33
$27.00$27.50$28.00Aug 7$0.09$0.414.56
$30.00$31.00$32.00Aug 14$0.18$0.824.56
$29.00$29.50$30.00Aug 21$0.09$0.414.56
$28.00$28.50$29.00Jul 31$0.10$0.404.00
PUTS (5)
LowMidHighExpiryDebitMax GainR:R
$23.00$24.00$25.00Aug 28$0.06$0.9415.67
$27.00$28.00$29.00Aug 14$0.07$0.9313.29
$29.00$30.00$31.00Aug 14$0.08$0.9211.50
$25.50$26.00$26.50Jul 31$0.06$0.447.33
$26.00$27.00$28.00Aug 21$0.12$0.887.33

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 34 found (best net $-0.02, 34 credits)

CALLS (5)
Buy KSell KRatioExpiryNetMax Gain
$23.00$28.001:2Aug 28-$0.02$4.98
$28.00$31.001:2Sep 4-$0.24$2.76
$24.00$26.001:2Jul 31-$0.23$1.77
$23.00$26.001:2Aug 7-$1.32$1.68
$28.00$30.001:2Aug 28-$1.05$0.95
PUTS (5)
Buy KSell KRatioExpiryNetMax Gain
$26.00$23.001:2Sep 4-$0.22$2.78
$30.00$27.001:2Sep 4-$0.95$2.05
$27.00$25.001:2Aug 14-$0.26$1.74
$24.00$22.501:2Aug 21-$0.12$1.38
$24.50$23.001:2Aug 14-$0.46$1.04

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 37 found (best yield 9.67%, avg 4.60%)

StrikeExpiryBidDeltaOTM%Yield%If Called%VolOI
$28.00Aug 28$2.690.550.7%9.67%10.32%2414
$28.00Sep 4$2.660.550.7%9.56%10.21%1--
$28.00Aug 21$2.650.550.7%9.53%10.17%3151
$28.50Aug 21$2.230.512.4%8.02%10.46%5130
$29.00Aug 21$2.060.494.2%7.40%11.65%1--
$29.50Aug 21$1.910.466.0%6.87%12.90%3--
$28.00Aug 7$1.880.510.7%6.76%7.40%22102
$29.00Aug 14$1.860.474.2%6.69%10.93%104
$30.00Aug 21$1.850.437.8%6.65%14.49%19317
$30.00Aug 28$1.710.447.8%6.15%13.98%144

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 8,986
Total Puts 1,831
Put/Call Ratio 0.20
Net Difference 7,155

Prior's Put/Call Breakdown

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

Prior 7-Day Put/Call Summary

Total Calls 53,056
Total Puts 46,421
Average Put/Call Ratio 0.91
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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