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UPST

Upstart Holdings, Inc.Close $34.78EOD only

Max Pain

$33.00

Next expiry Jul 10, 2026

Expected Move

±$2.83

8.2% from close

Price Gap

-1.78

Distance to max pain

IV Rank

Low premium

P/C OI

0.65

Slightly call-heavy

Consensus

—

No reports available

Published snapshot: Jul 2, 2026 close

End-of-day snapshot

This page reflects UPST options positioning from the latest published market-close snapshot. Intraday price and contract changes are not displayed.

Published Snapshot

Jul 2, 2026 close

UPST Options Chain

Data as of market close Jul 2, 2026

Expiration

Compare calls and puts side by side with OI, volume, IV, and positioning context.

Control Row

Next expiry (DTE 8)

Blank greek cells usually mean usable implied volatility was unavailable for that contract in the market-close snapshot.

Open Interest by Strike

IV Skew

Volume by Strike

Calls

Strike	Last	Bid	Ask	Chg	Vol	OI	IV	Delta	Gamma	Theta	Vega	Rho
21.00	15.30	12.70	15.80	0.00	2	4	261.9%	0.942	0.0092	-0.106	0.006	0.004
22.00	12.05	12.15	13.65	0.00	2	205	177.7%	0.977	0.0065	-0.036	0.003	0.004
25.00	8.47	7.90	11.80	0.00	5	5	121.9%	0.980	0.0084	-0.024	0.002	0.005
26.00	9.73	7.50	10.80	0.74	2	4	159.4%	0.924	0.0186	-0.081	0.007	0.004
27.00	9.10	6.55	9.80	0.00	2	4	146.3%	0.912	0.0226	-0.083	0.008	0.005
28.00	7.45	5.50	8.80	0.00	5	12	127.9%	0.906	0.0272	-0.077	0.008	0.005
29.00	8.00	5.10	7.85	0.00	2	16	140.6%	0.850	0.0345	-0.116	0.011	0.004
29.50	4.02	4.20	7.35	0.00	0	1	116.0%	0.867	0.0385	-0.089	0.010	0.005
30.00	4.92	4.10	6.90	-1.23	35	177	125.2%	0.827	0.0424	-0.113	0.012	0.004
30.50	4.82	2.49	6.45	-1.40	1	3	72.9%	0.913	0.0451	-0.043	0.008	0.005
31.00	4.18	3.30	4.60	-1.65	6	51	64.1%	0.912	0.0519	-0.039	0.008	0.005
31.50	3.35	2.29	5.40	-1.36	15	18	88.7%	0.809	0.0637	-0.086	0.013	0.005
32.00	3.28	2.76	3.85	-1.62	14	79	77.6%	0.798	0.0752	-0.078	0.014	0.005
32.50	3.12	2.56	3.05	-1.10	1	21	69.2%	0.777	0.0894	-0.074	0.014	0.005
33.00	2.49	2.21	2.68	-1.37	25	255	68.8%	0.728	0.1001	-0.081	0.016	0.004
33.50	2.11	1.89	2.33	-0.93	32	281	68.3%	0.675	0.1095	-0.087	0.017	0.004
34.00	1.81	1.76	2.02	-1.19	45	207	72.3%	0.612	0.1101	-0.098	0.018	0.004
34.50	1.54	1.48	1.72	-0.83	19	102	71.2%	0.556	0.1152	-0.099	0.019	0.003
35.00	1.30	1.23	1.34	-0.68	175	650	67.6%	0.495	0.1226	-0.095	0.019	0.003
35.50	1.08	1.03	1.10	-0.87	73	130	67.3%	0.435	0.1214	-0.093	0.019	0.003
36.00	0.88	0.84	0.91	-0.56	367	348	67.1%	0.376	0.1175	-0.089	0.018	0.002
36.50	0.74	0.69	0.74	-0.62	521	220	67.1%	0.321	0.1108	-0.084	0.017	0.002
37.00	0.58	0.54	0.60	-0.48	194	336	66.6%	0.269	0.1029	-0.077	0.016	0.002
37.50	0.46	0.41	0.57	-0.58	239	367	68.8%	0.231	0.0920	-0.073	0.015	0.001
38.00	0.37	0.33	0.39	-0.39	264	200	66.5%	0.182	0.0826	-0.061	0.013	0.001
38.50	0.28	0.22	0.39	-0.41	31	289	68.4%	0.154	0.0722	-0.057	0.011	0.001
39.00	0.22	0.19	0.25	-0.28	60	414	66.6%	0.118	0.0615	-0.046	0.010	0.001
39.50	0.20	0.06	0.26	-0.33	17	419	65.6%	0.089	0.0510	-0.037	0.008	0.001
40.00	0.14	0.10	0.25	-0.22	192	373	71.9%	0.089	0.0465	-0.040	0.008	0.001
40.50	0.22	0.08	0.16	-0.16	2	35	69.7%	0.064	0.0374	-0.030	0.006	0.000
41.00	0.08	0.06	0.11	-0.23	286	465	68.8%	0.047	0.0298	-0.024	0.005	0.000
42.00	0.09	0.05	0.13	-0.11	35	114	77.3%	0.045	0.0253	-0.025	0.005	0.000
43.00	0.18	0.00	2.15	0.00	6	74	169.7%	0.217	0.0360	-0.172	0.014	0.001

Puts

Strike	Last	Bid	Ask	Chg	Vol	OI	IV	Delta	Gamma	Theta	Vega	Rho
20.00	0.03	0.00	0.02	0.00	1	2	146.9%	-0.002	0.0010	-0.004	0.000	-0.000
21.00	0.41	0.00	2.13	0.00	0	1	335.5%	-0.093	0.0103	-0.192	0.008	-0.001
22.00	0.06	0.00	0.56	0.00	1	91	212.5%	-0.044	0.0091	-0.068	0.004	-0.000
23.00	0.04	0.00	0.07	0.02	14	59	132.8%	-0.010	0.0040	-0.012	0.001	-0.000
24.00	0.15	0.00	2.14	0.00	2	8	268.4%	-0.118	0.0153	-0.182	0.010	-0.001
25.00	0.10	0.00	0.20	0.00	1	108	130.1%	-0.027	0.0099	-0.028	0.003	-0.000
26.00	0.04	0.01	0.07	-0.02	4	356	99.2%	-0.014	0.0076	-0.012	0.002	-0.000
27.00	0.04	0.00	0.24	-0.01	230	150	108.2%	-0.038	0.0160	-0.031	0.004	-0.000
27.50	0.05	0.00	0.64	-0.12	5	33	130.1%	-0.081	0.0240	-0.067	0.007	-0.001
28.00	0.05	0.00	0.06	-0.01	4	104	73.4%	-0.014	0.0102	-0.009	0.002	-0.000
28.50	0.15	0.00	2.17	0.00	1	16	178.9%	-0.176	0.0300	-0.158	0.012	-0.001
29.00	0.09	0.00	0.38	0.00	1,510	1,684	93.0%	-0.069	0.0297	-0.042	0.006	-0.000
29.50	0.10	0.02	0.18	-0.09	1	6	73.8%	-0.047	0.0278	-0.025	0.005	-0.000
30.00	0.14	0.06	0.16	0.02	72	298	69.1%	-0.055	0.0333	-0.026	0.005	-0.000
30.50	0.17	0.07	0.27	0.01	17	111	70.7%	-0.081	0.0441	-0.036	0.007	-0.001
31.00	0.21	0.15	0.25	0.03	41	285	67.2%	-0.098	0.0535	-0.040	0.008	-0.001
31.50	0.30	0.15	0.40	0.08	11	20	67.1%	-0.131	0.0658	-0.049	0.010	-0.001
32.00	0.37	0.35	0.50	0.05	31	232	70.9%	-0.182	0.0775	-0.064	0.013	-0.001
32.50	0.50	0.46	0.56	0.16	25	114	68.4%	-0.220	0.0899	-0.069	0.014	-0.002
33.00	0.63	0.60	0.65	0.15	31	734	66.5%	-0.266	0.1024	-0.074	0.016	-0.002
33.50	0.78	0.76	0.94	0.13	11	20	69.3%	-0.327	0.1081	-0.085	0.017	-0.002
34.00	1.01	0.95	1.02	0.35	46	493	65.9%	-0.381	0.1200	-0.085	0.018	-0.003
34.50	1.21	1.18	1.25	0.26	14	42	66.0%	-0.443	0.1242	-0.088	0.019	-0.003
35.00	1.45	1.43	1.67	0.40	105	105	69.8%	-0.503	0.1186	-0.094	0.019	-0.004
36.00	2.15	2.02	2.29	0.56	23	12	70.1%	-0.617	0.1130	-0.089	0.018	-0.005
37.00	2.32	2.50	3.05	0.36	8	36	65.7%	-0.734	0.1037	-0.071	0.016	-0.005
38.00	3.59	2.33	5.55	-3.13	1	1	89.3%	-0.741	0.0752	-0.096	0.016	-0.006
39.00	3.71	2.55	6.40	0.41	1	14	69.7%	-0.871	0.0628	-0.047	0.010	-0.007
40.00	4.09	3.45	7.30	-4.53	20	2	69.7%	-0.918	0.0451	-0.032	0.007	-0.007
42.00	9.87	5.50	9.25	0.00	2	2	86.9%	-0.933	0.0309	-0.034	0.006	-0.008
43.00	7.87	6.30	10.25	-2.13	3	3	77.3%	-0.973	0.0170	-0.012	0.003	-0.008
45.00	11.72	8.25	12.20	0.00	2	1	65.6%	-0.997	0.0026	0.003	0.000	-0.009

How to Read the Chain

Use this market-close chain snapshot to compare liquidity, pricing, IV, and per-contract greeks across the active expiration.

How to scan it

Start with strike, bid/ask spread, open interest, and volume. Then use IV and greeks to decide whether a contract fits your directional, income, or volatility idea.

What matters first

Clean fills matter before a contract looks mathematically attractive. A thin market can erase the edge you think you found.

What can mislead you

Low premium, high IV, or one convenient delta do not make a trade by themselves. Check how far the strike sits from spot, expected move, and the event calendar.

Greeks are close-of-day estimates, and blank greek cells usually mean usable implied volatility was unavailable for that contract.