Tour v477
UPST
UPSTART HLDGS INC
$27.44 +1.48%
$27.30 (-0.51%)🌙
as of 07/31 07:16 PM
(7/30 19:43) ◀
|
Friday, July 31, 2026 (7:16pm)
January 2026
|
▶ (8/3 14:10)
◀ 7/31 19:16 ▶

Option Volume

Detail
ℹ
Current (07/31) 12,071
Calls: 8,350 (69%)
Puts: 3,721 (31%)
Prior (07/30) 16,913
Calls: 10,547 (62%)
Puts: 6,366 (38%)
Current vs Prior -28.63%
Calls: -20.83% (Calls)
Puts: -41.55% (Puts)
Prior 7-Day Total 97,195
Calls: 59,530 (61%)
Puts: 37,665 (39%)
Prior 7-Day Average 13,885
Calls: 8,504 (61%)
Puts: 5,380 (39%)
Current vs Prior 7-Day Avg -13.06%
Calls: -1.81%
Puts: -30.85%
Sentiment BULLISH

Dollar Volume

Detail
ℹ
Current (07/31) $1.83M
Calls: $1.09M (60%)
Puts: $739.1K (40%)
Prior (07/30) $3.64M
Calls: $1.27M (35%)
Puts: $2.37M (65%)
Current vs Prior -49.92%
Calls: -14.68%
Puts: -68.83%
Prior 7-Day Total $17.27M
Calls: $7.90M (46%)
Puts: $9.38M (54%)
Prior 7-Day Average $2.47M
Calls: $1.13M (46%)
Puts: $1.34M (54%)
Current vs Prior 7-Day Avg -26.03%
Calls: -3.70%
Puts: -44.82%
Sentiment BULLISH

Put/Call Ratio

Detail
ℹ
Current (07/31) 0.45
Prior (07/30) 0.60
Current vs Prior -26.17%
Prior 7-Day Average 0.71
Current vs Prior 7-Day Avg -36.82%
Sentiment BULLISH

Open Interest

Detail
ℹ
Current (07/31) 159,487
Calls: 108,434 (68%)
Puts: 51,053 (32%)
Prior (07/30) 166,605
Calls: 109,193 (66%)
Puts: 57,412 (34%)
Current vs Prior -4.27%
Prior 7-Day Total 984,851
Calls: 634,521 (64%)
Puts: 350,330 (36%)
Prior 7-Day Average 140,693
Calls: 90,645 (64%)
Puts: 50,047 (36%)
Current vs Prior 7-Day Avg +13.36%
Sentiment BEARISH

Expected Move

Detail
ℹ
Expiry (07/31) | Next (08/07)Expiry (08/21) | Next (09/18)
Current 2.19% | 16.69%19.93% | 24.82%
Prior 4.29% | 16.79%19.90% | 24.63%
Current vs Prior +289.07% | +8.74%+0.19% | +0.76%
Prior 7-Day Avg 6.33% | 15.79%21.37% | 26.10%
Current vs 7-Day Avg +163.67% | +15.66%-6.73% | -4.92%
Prior 7-Day Eod 4.29% | 16.79%19.90% | 24.63%
Current vs 7-Day Eod +289.07% | +8.74%+0.19% | +0.76%
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

Extreme bullish P/C ratio of 0.45 - heavy call buying (8,350 calls vs 3,721 puts). P/C ratio dropping 26% - sentiment shifting bullish. Call-heavy open interest (108,434 calls vs 51,053 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 16 of results (avg 7.3%, best 4.7%)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$27.50Aug 72.062.16$2.114.7%220.54534
$32.50Aug 210.930.98$0.965.2%20.27532
$30.00Aug 211.541.63$1.595.7%750.40406
$31.00Aug 70.890.95$0.926.5%3580.30251
$28.00Aug 212.272.44$2.367.2%40.52--
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$32.50Aug 215.856.15$6.005.0%50.72--
$29.50Aug 73.253.45$3.356.0%10.60--
$30.00Aug 143.804.05$3.936.4%80.6088
$30.00Aug 73.553.80$3.686.8%130.64211
$30.00Aug 213.954.30$4.138.5%20.60736

Affordable options under $1.00 per contract. Great for defined-risk strategies with minimal capital. 8 found (avg $0.75, cheapest $0.45)

CALLS (4)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$32.00Aug 70.630.75$0.6917.4%1880.24662
$32.00Aug 140.830.92$0.8810.2%110.2764
$31.00Aug 70.890.95$0.926.5%3580.30251
$32.50Aug 210.930.98$0.965.2%20.27532
PUTS (4)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$23.00Aug 70.410.49$0.4517.8%300.15312
$23.50Aug 70.540.60$0.5710.5%230.18145
$24.00Aug 70.630.73$0.6814.7%70.2157
$24.50Aug 70.770.94$0.8619.8%90.25137

In-the-money options with delta >0.50. Higher probability of profit, lower leverage. 56 found (avg delta 0.72, highest 1.00)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$23.50Jul 312.725.00$3.8659.1%30.99--
$24.50Jul 310.954.95$2.95135.6%40.992
$25.00Jul 312.182.77$2.4823.8%40.9917
$26.00Jul 310.312.06$1.19147.1%4350.98448
$26.50Jul 310.253.00$1.63168.7%620.98128
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$28.00Jul 310.010.65$0.33193.9%481.00803
$28.50Jul 310.013.05$1.53198.7%251.00227
$29.00Jul 311.411.68$1.5517.4%381.00161
$29.50Jul 310.762.78$1.77114.1%21.0033
$30.00Jul 311.702.88$2.2951.5%291.00116

Most actively traded options today. High liquidity = easy entry/exit. 143 active (total vol 6.8K, top 1.0K)

CALLS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$27.50Jul 310.020.13$0.08137.5%1.0K0.46509
$26.00Jul 310.312.06$1.19147.1%4350.98448
$30.00Aug 71.121.32$1.2216.4%3740.36853
$31.00Aug 70.890.95$0.926.5%3580.30251
$29.00Aug 71.431.66$1.5514.8%2970.43124
PUTS (5)
StrikeExpiryBidAskMarkSpreadVolDeltaOI
$22.00Aug 210.500.76$0.6341.3%3280.1673
$25.00Aug 70.961.11$1.0414.4%2210.28246
$27.00Jul 310.000.01$0.01100.0%1390.04847
$29.00Aug 283.453.95$3.7013.5%1000.5310
$30.00Aug 284.104.60$4.3511.5%1000.5849

Term structure inversion — near-term IV higher than far-term IV at the same strike. Signals expected near-term catalyst or volatility event. 34 strikes (avg 358.6%, max 1942.4%)

CALLS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$23.00Jul 31Aug 72814.3%137.8%1942.4%625
$31.00Jul 31Sep 4838.8%88.8%844.4%50849
$32.00Jul 31Aug 28838.6%96.0%773.7%44920
$30.50Jul 31Aug 21604.3%94.4%540.3%351.4K
$23.50Jul 31Aug 7873.4%138.9%528.8%59--
PUTS (5)
StrikeNear ExpFar ExpNear IVFar IVBack%VolOI
$32.50Jul 31Aug 211177.0%97.5%1107.0%6--
$32.00Jul 31Aug 28838.6%96.0%773.7%24
$25.50Jul 31Aug 14968.8%119.8%708.4%55201
$25.00Jul 31Sep 11560.9%82.8%577.7%29424
$30.00Jul 31Aug 28521.0%94.1%453.8%129165

Bull call spreads & bear put spreads with the best risk/reward ratios. Pay a debit upfront, defined max loss. 80 found (best R:R 7.33, avg 1.74)

BULL CALL (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$31.50$32.00Aug 7$0.11$0.39$0.113.55$31.61
$29.00$30.00Aug 14$0.23$0.77$0.233.35$29.23
$31.00$32.00Aug 28$0.23$0.77$0.233.35$31.23
$30.00$30.50Aug 7$0.12$0.38$0.123.17$30.12
$31.00$31.50Aug 7$0.12$0.38$0.123.17$31.12
BEAR PUT (5)
BuySellExpiryDebitMax GainMax LossR:RBE
$26.00$25.00Sep 4$0.12$0.88$0.127.33$25.88
$24.00$23.50Aug 7$0.11$0.39$0.113.55$23.89
$23.50$23.00Aug 7$0.12$0.38$0.123.17$23.38
$24.00$23.00Aug 21$0.24$0.76$0.243.17$23.76
$25.50$25.00Jul 31$0.15$0.35$0.152.33$25.35

Bear call spreads & bull put spreads collecting premium. Receive credit upfront, profit if stock stays in range. 91 found (best R:R 4.00, avg 1.01)

BEAR CALL (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$27.00$27.50Aug 21$0.40$0.40$0.104.00$27.40
$22.50$26.50Aug 14$3.06$3.06$0.943.26$25.56
$30.00$30.50Aug 14$0.36$0.36$0.142.57$30.36
$27.00$27.50Aug 7$0.32$0.32$0.181.78$27.32
$25.00$27.00Aug 21$1.21$1.21$0.791.53$26.21
BULL PUT (5)
SellBuyExpiryCreditMax GainMax LossR:RBE
$26.50$26.00Aug 14$0.38$0.38$0.123.17$26.12
$32.50$30.00Aug 14$1.85$1.85$0.652.85$30.65
$32.00$30.00Aug 7$1.45$1.45$0.552.64$30.55
$29.00$28.00Aug 14$0.72$0.72$0.282.57$28.28
$27.00$26.00Sep 4$0.72$0.72$0.282.57$26.28

Same strike, different expirations. Sell near-term, buy far-term. Profits from time decay differential. 35 found (avg debit $1.16, cheapest $0.15)

CALLS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$31.50Aug 7Aug 21$0.41141.0%98.8%
$32.50Aug 7Aug 21$0.43133.1%97.5%
$23.50Jul 31Aug 7$0.64873.4%138.9%
$32.00Jul 31Aug 7$0.68838.6%140.1%
$31.00Jul 31Aug 7$0.90838.8%141.7%
PUTS (5)
StrikeNear ExpFar ExpNet DebitNear IVFar IV
$23.00Aug 7Aug 14$0.15137.8%109.8%
$32.00Jul 31Aug 7$0.23838.6%140.1%
$24.00Aug 7Aug 14$0.26137.3%114.2%
$22.00Aug 7Aug 21$0.27148.4%104.5%
$22.50Aug 7Aug 14$0.27130.3%115.9%

Buy call + put at the same strike and expiry. Profits from large moves in either direction. 44 found (cheapest 0.66% of stock, avg 15.76%)

StrikeExpiryCall$Put$TotalBE LowBE HighCost%
$27.50Jul 31$0.08$0.10$0.18$27.32$27.680.66%
$28.00Jul 31$0.01$0.33$0.34$27.66$28.341.24%
$27.00Jul 31$0.50$0.01$0.51$26.49$27.511.86%
$26.00Jul 31$1.19$0.01$1.20$24.80$27.204.37%
$28.50Jul 31$0.01$1.53$1.54$26.96$30.045.61%
$29.00Jul 31$0.01$1.55$1.56$27.44$30.565.69%
$26.50Jul 31$1.63$0.01$1.64$24.86$28.145.98%
$29.50Jul 31$0.01$1.77$1.78$27.72$31.286.49%
$25.50Jul 31$1.94$0.16$2.10$23.40$27.607.65%
$30.00Jul 31$0.01$2.29$2.30$27.70$32.308.38%

Buy OTM call + OTM put at different strikes. Cheaper than straddles, needs bigger move to profit. 102 found (cheapest 0.87% of stock, avg 12.11%)

Call KPut KExpiryCall$Put$TotalBE LowBE High
$27.50$25.50Jul 31$0.08$0.16$0.24$25.26$27.74
$31.00$23.00Aug 21$1.34$0.84$2.18$20.82$33.18
$30.50$23.00Aug 21$1.36$0.84$2.20$20.80$32.70
$32.00$23.00Aug 28$1.39$0.98$2.37$20.63$34.37
$32.00$26.00Aug 14$0.88$1.50$2.38$23.62$34.38
$31.00$24.00Aug 21$1.34$1.08$2.42$21.58$33.42
$30.00$23.00Aug 21$1.59$0.84$2.43$20.57$32.43
$30.50$24.00Aug 21$1.36$1.08$2.44$21.56$32.94
$32.00$25.50Aug 14$0.88$1.58$2.46$23.04$34.46
$30.00$25.50Aug 7$1.22$1.25$2.47$23.03$32.47

Sell OTM put spread + OTM call spread. Collect premium, profit if stock stays between breakevens. 131 found (best R:R 7.33, avg credit $0.63)

Put SpreadCall SpreadExpiryCreditMax LossR:RBE LowBE High
29/3031/32Aug 28$0.88$0.127.33$29.12$31.88
25/2629/30Aug 28$0.84$0.165.25$25.16$29.84
23/2427/28Sep 4$0.84$0.165.25$23.16$27.84
24/2428/28Aug 7$0.40$0.104.00$24.10$27.90
25/2628/29Aug 7$0.40$0.104.00$25.10$28.90
26/2730/30Aug 21$0.80$0.204.00$26.20$30.80
22/2327/28Sep 4$0.80$0.204.00$22.20$27.80
25/2629/30Aug 21$0.79$0.213.76$25.21$29.79
26/2628/28Aug 7$0.39$0.113.55$25.61$28.39
26/2629/30Aug 7$0.39$0.113.55$25.61$29.39

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 $0.06)

CALLS (5)
LowMidHighExpiryDebitMax GainR:R
$29.50$30.00$30.50Aug 7$0.06$0.447.33
$30.50$31.00$31.50Aug 7$0.06$0.447.33
$27.50$28.00$28.50Jul 31$0.07$0.436.14
$27.50$28.00$28.50Aug 7$0.07$0.436.14
$28.00$29.00$30.00Aug 14$0.14$0.866.14
PUTS (5)
LowMidHighExpiryDebitMax GainR:R
$23.00$24.00$25.00Aug 21$0.10$0.909.00
$24.00$25.00$26.00Sep 11$0.13$0.876.69
$23.50$24.00$24.50Aug 7$0.07$0.436.14
$26.00$26.50$27.00Aug 7$0.08$0.425.25
$26.50$27.00$27.50Jul 31$0.09$0.414.56

Buy 1 option, sell 2 at a different strike (1:2 ratio). Can be entered for a credit. Unlimited risk on naked leg. 31 found (best net $-0.55, 25 credits)

CALLS (5)
Buy KSell KRatioExpiryNetMax Gain
$31.00$32.001:2Jul 31$0.00$1.00
$28.00$30.001:2Sep 4-$1.27$0.73
$22.00$25.001:2Aug 21-$2.40$0.60
$31.00$32.001:2Aug 14-$0.62$0.38
$25.00$27.001:2Aug 21-$1.73$0.27
PUTS (5)
Buy KSell KRatioExpiryNetMax Gain
$30.00$27.001:2Aug 21-$0.55$2.45
$25.00$23.001:2Aug 28-$0.31$1.69
$31.50$30.001:2Jul 31-$0.20$1.30
$28.00$26.001:2Aug 28-$1.09$0.91
$24.00$23.001:2Aug 14-$0.26$0.74

Sell OTM calls against 100 shares you own. Collect premium for income, capped upside at strike. Yield% = premium/stock price. 36 found (best yield 9.48%, avg 5.33%)

StrikeExpiryBidDeltaOTM%Yield%If Called%VolOI
$28.00Sep 4$2.600.532.0%9.48%11.52%1--
$28.00Aug 28$2.470.532.0%9.00%11.04%12--
$27.50Aug 21$2.300.540.2%8.38%8.60%5--
$28.00Aug 21$2.270.522.0%8.27%10.31%4--
$27.50Aug 14$2.240.550.2%8.16%8.38%2542
$29.00Aug 28$2.070.485.7%7.54%13.23%313
$27.50Aug 7$2.060.540.2%7.51%7.73%22534
$28.00Aug 14$2.040.522.0%7.43%9.48%1120
$28.50Aug 21$2.010.493.9%7.33%11.19%8--
$29.00Aug 21$1.860.465.7%6.78%12.46%6357

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 8,350
Total Puts 3,721
Put/Call Ratio 0.45
Net Difference 4,629

Prior's Put/Call Breakdown

Total Calls 10,547
Total Puts 6,366
Put/Call Ratio 0.60
Net Difference 4,181

Prior 7-Day Put/Call Summary

Total Calls 59,530
Total Puts 37,665
Average Put/Call Ratio 0.71
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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