Home Options UPSTChain

UPST

Upstart Holdings, Inc.Close $28.84EOD only

Max Pain

$28.50

Next expiry May 22, 2026

Expected Move

±$1.34

4.7% from close

Price Gap

-0.34

Distance to max pain

IV Rank

Low premium

P/C OI

0.64

Slightly call-heavy

Consensus

—

No reports available

Published snapshot: May 20, 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

May 20, 2026 close

UPST Options Chain

Data as of market close May 20, 2026

Expiration

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

Control Row

Next expiry (DTE 2)

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
17.00	11.17	10.05	12.30	0.00	3	2	464.8%	0.956	0.0093	-0.232	0.002	0.001
18.00	10.15	9.05	11.30	0.00	4	4	424.2%	0.951	0.0111	-0.230	0.002	0.001
19.00	9.74	8.05	10.30	0.00	1	2	385.5%	0.946	0.0134	-0.228	0.002	0.001
20.00	7.59	7.05	9.30	0.00	1	4	348.4%	0.939	0.0162	-0.226	0.003	0.001
22.00	5.73	6.25	7.30	0.00	1	7	278.9%	0.922	0.0246	-0.220	0.003	0.001
23.00	5.90	5.30	6.50	0.85	20	2	145.3%	0.985	0.0125	-0.033	0.001	0.001
23.50	5.26	4.80	5.85	0.64	2	4	237.5%	0.895	0.0358	-0.233	0.004	0.001
24.00	4.15	3.95	5.50	0.79	1	12	243.9%	0.866	0.0414	-0.283	0.005	0.001
24.50	3.75	3.80	4.85	-0.25	1	0	204.1%	0.876	0.0469	-0.225	0.004	0.001
25.00	3.50	3.40	4.30	0.00	7	25	73.4%	0.996	0.0074	-0.007	0.000	0.001
25.50	3.00	2.62	3.85	0.00	5	1	171.1%	0.850	0.0638	-0.215	0.005	0.001
26.00	2.33	2.56	3.40	0.00	189	103	96.9%	0.931	0.0641	-0.071	0.003	0.001
26.50	2.39	1.96	2.93	0.46	7	17	77.0%	0.936	0.0767	-0.055	0.003	0.001
27.00	1.77	1.64	2.44	0.15	29	179	80.1%	0.874	0.1210	-0.091	0.004	0.001
27.50	1.53	1.33	1.76	0.18	39	93	66.0%	0.842	0.1712	-0.088	0.005	0.001
28.00	1.20	1.03	1.37	0.10	168	604	68.4%	0.730	0.2264	-0.123	0.007	0.001
28.50	0.85	0.71	1.02	0.02	99	357	65.8%	0.607	0.2736	-0.137	0.008	0.001
29.00	0.65	0.51	0.62	0.25	158	329	61.3%	0.463	0.3034	-0.132	0.008	0.001
29.50	0.43	0.31	0.42	0.05	204	565	60.9%	0.318	0.2741	-0.117	0.008	0.000
30.00	0.26	0.25	0.28	0.04	936	1,186	65.4%	0.216	0.2099	-0.103	0.006	0.000
30.50	0.17	0.11	0.17	0.03	293	357	62.1%	0.117	0.1484	-0.066	0.004	0.000
31.00	0.12	0.08	0.11	-0.03	626	1,142	65.2%	0.071	0.0977	-0.048	0.003	0.000
31.50	0.07	0.05	0.07	-0.02	483	321	67.2%	0.041	0.0608	-0.031	0.002	0.000
32.00	0.04	0.01	0.05	-0.02	131	1,883	65.6%	0.017	0.0307	-0.015	0.001	0.000
32.50	0.03	0.00	0.05	-0.02	32	553	71.1%	0.013	0.0214	-0.012	0.001	0.000
33.00	0.04	0.02	0.11	-0.01	24	778	94.5%	0.030	0.0333	-0.034	0.001	0.000
33.50	0.02	0.00	0.03	-0.02	114	1,680	79.7%	0.006	0.0102	-0.007	0.000	0.000
34.00	0.01	0.01	0.02	-0.01	76	357	85.9%	0.005	0.0084	-0.007	0.000	0.000
34.50	0.02	0.00	0.10	0.00	64	125	111.7%	0.017	0.0176	-0.025	0.001	0.000
35.00	0.01	0.00	0.01	0.00	19	415	84.4%	0.001	0.0020	-0.002	0.000	0.000
35.50	0.01	0.00	0.13	-0.02	2	79	132.0%	0.019	0.0165	-0.033	0.001	0.000
36.00	0.02	0.00	0.54	0.00	42	198	192.2%	0.069	0.0322	-0.136	0.003	0.000
36.50	0.01	0.00	0.12	0.00	18	36	143.8%	0.015	0.0127	-0.030	0.001	0.000
37.00	0.01	0.00	0.56	0.00	9	196	210.5%	0.064	0.0280	-0.142	0.003	0.000
37.50	0.01	0.00	0.14	0.00	2	6	161.7%	0.017	0.0119	-0.036	0.001	0.000
38.00	0.03	0.00	0.35	-0.03	1	48	202.3%	0.039	0.0195	-0.091	0.002	0.000
39.00	0.02	0.00	0.25	0.00	1	11	201.6%	0.026	0.0139	-0.065	0.001	0.000
40.00	0.04	0.00	0.15	0.00	10	469	195.3%	0.014	0.0087	-0.038	0.001	0.000
40.50	0.68	0.00	0.96	0.00	0	4	302.0%	0.080	0.0230	-0.239	0.003	0.000
41.00	0.01	0.00	0.75	0.00	11	39	289.5%	0.063	0.0199	-0.190	0.003	0.000
41.50	0.06	0.00	1.02	0.00	6	18	321.9%	0.080	0.0216	-0.255	0.003	0.000
42.00	0.02	0.00	0.56	0.00	14	63	282.8%	0.046	0.0158	-0.145	0.002	0.000
42.50	0.06	0.00	0.76	0.00	2	31	310.9%	0.058	0.0176	-0.194	0.002	0.000
43.00	0.11	0.00	1.15	0.00	1	8	354.3%	0.082	0.0200	-0.287	0.003	0.000
44.00	0.08	0.00	1.02	0.00	1	4	356.3%	0.071	0.0178	-0.258	0.003	0.000
44.50	0.02	0.00	1.21	0.00	4	28	379.7%	0.080	0.0184	-0.303	0.003	0.000
45.00	0.11	0.00	0.10	0.00	2	89	234.4%	0.007	0.0037	-0.023	0.000	0.000
45.50	0.02	0.00	2.13	0.00	0	20	464.1%	0.124	0.0207	-0.508	0.004	0.000
46.00	0.01	0.00	2.13	0.00	20	23	471.1%	0.122	0.0202	-0.510	0.004	0.000
47.00	0.05	0.00	1.95	0.00	3	26	471.1%	0.110	0.0187	-0.474	0.004	0.000
48.00	0.37	0.00	1.95	0.00	1	3	484.0%	0.107	0.0179	-0.477	0.004	0.000
49.00	0.08	0.00	2.13	0.00	1	4	509.6%	0.112	0.0175	-0.518	0.004	0.000
50.00	0.02	0.00	0.01	0.00	1	102	212.5%	0.000	0.0003	-0.001	0.000	0.000

Puts

Strike	Last	Bid	Ask	Chg	Vol	OI	IV	Delta	Gamma	Theta	Vega	Rho
16.00	0.05	0.00	0.05	0.02	1	2	290.6%	-0.002	0.0011	-0.011	0.000	-0.000
17.00	0.01	0.00	0.02	0.00	1	79	237.5%	-0.001	0.0007	-0.004	0.000	-0.000
18.00	0.05	0.00	0.52	0.01	2	42	365.2%	-0.030	0.0087	-0.133	0.001	-0.000
19.00	0.04	0.00	0.18	0.00	1	81	263.3%	-0.013	0.0058	-0.046	0.001	-0.000
20.00	0.18	0.00	0.90	0.00	50	1	346.5%	-0.060	0.0161	-0.220	0.003	-0.000
21.00	0.04	0.00	0.67	0.00	1	26	285.2%	-0.054	0.0179	-0.166	0.002	-0.000
22.00	0.04	0.00	0.45	0.00	43	292	226.6%	-0.045	0.0195	-0.114	0.002	-0.000
22.50	0.02	0.00	0.02	0.00	6	109	118.8%	-0.002	0.0026	-0.004	0.000	-0.000
23.00	0.01	0.01	0.15	-0.02	7	77	153.9%	-0.020	0.0150	-0.040	0.001	-0.000
23.50	0.05	0.00	0.05	0.00	53	60	114.1%	-0.007	0.0078	-0.011	0.000	-0.000
24.00	0.02	0.01	0.02	-0.02	34	1,374	96.9%	-0.005	0.0066	-0.007	0.000	-0.000
24.50	0.03	0.00	0.10	-0.02	40	118	107.0%	-0.018	0.0192	-0.025	0.001	-0.000
25.00	0.02	0.01	0.03	-0.05	15	429	81.3%	-0.008	0.0126	-0.009	0.000	-0.000
25.50	0.04	0.01	0.28	-0.09	1	94	110.9%	-0.061	0.0512	-0.072	0.003	-0.000
26.00	0.04	0.02	0.05	-0.09	23	674	68.8%	-0.019	0.0321	-0.017	0.001	-0.000
26.50	0.11	0.06	0.07	-0.08	6	330	67.6%	-0.043	0.0629	-0.033	0.002	-0.000
27.00	0.09	0.09	0.13	-0.21	61	536	65.2%	-0.082	0.1084	-0.052	0.003	-0.000
27.50	0.20	0.12	0.22	-0.38	109	260	61.3%	-0.141	0.1708	-0.073	0.005	-0.000
28.00	0.36	0.28	0.35	-0.40	71	664	63.3%	-0.255	0.2376	-0.108	0.007	-0.000
28.50	0.49	0.40	0.65	-0.38	46	242	65.8%	-0.393	0.2736	-0.134	0.008	-0.001
29.00	0.78	0.64	0.91	-0.44	376	467	66.2%	-0.533	0.2813	-0.139	0.008	-0.001
29.50	1.05	0.97	1.19	-1.14	2	41	66.4%	-0.667	0.2565	-0.126	0.008	-0.001
30.00	1.41	1.30	1.62	-1.20	15	272	69.5%	-0.769	0.2050	-0.110	0.006	-0.001
30.50	2.14	1.57	2.12	-0.91	3	15	68.6%	-0.858	0.1533	-0.079	0.005	-0.001
31.00	2.73	1.55	2.86	-0.41	8	38	53.9%	-0.963	0.0706	-0.020	0.002	-0.002
32.00	3.64	2.56	3.70	-0.89	2	195	151.6%	-0.807	0.0846	-0.218	0.006	-0.001
32.50	4.27	3.25	4.30	0.00	3	32	98.4%	-0.945	0.0528	-0.055	0.002	-0.002
33.00	4.04	3.60	4.75	-0.61	1	84	71.9%	-0.994	0.0114	-0.003	0.000	-0.002
34.00	6.01	4.70	5.85	0.00	1	13	125.0%	-0.958	0.0335	-0.056	0.002	-0.002
34.50	6.59	5.20	6.35	0.00	4	4	132.8%	-0.962	0.0293	-0.055	0.002	-0.002
35.00	6.94	5.70	6.65	0.00	1	31	98.4%	-0.996	0.0062	-0.003	0.000	-0.002
35.50	7.50	6.20	7.05	0.00	3	3	204.7%	-0.902	0.0395	-0.185	0.004	-0.002
36.00	7.60	6.75	7.45	0.00	20	146	196.1%	-0.927	0.0331	-0.141	0.003	-0.002
36.50	8.35	7.15	8.35	0.00	2	2	155.5%	-0.977	0.0167	-0.042	0.001	-0.002
37.00	8.85	7.55	8.85	0.00	2	1	140.6%	-0.990	0.0086	-0.015	0.001	-0.002
37.50	10.80	8.15	9.35	0.00	0	0	169.5%	-0.979	0.0141	-0.042	0.001	-0.002
39.00	12.32	9.55	11.95	0.00	0	0	296.9%	-0.897	0.0284	-0.281	0.004	-0.002
39.50	11.60	10.15	11.30	0.00	0	0	184.4%	-0.987	0.0083	-0.028	0.001	-0.002
40.00	11.02	10.60	12.10	0.00	3	0	233.6%	-0.964	0.0157	-0.093	0.002	-0.002
41.00	13.07	11.55	13.20	0.00	0	0	253.5%	-0.962	0.0151	-0.106	0.002	-0.002
42.00	14.24	12.65	13.80	0.00	3	1	212.5%	-0.990	0.0061	-0.027	0.001	-0.002
42.50	14.55	13.10	15.30	0.00	2	1	341.4%	-0.920	0.0203	-0.265	0.003	-0.002
43.00	11.13	13.60	14.75	0.00	2	0	181.3%	-0.998	0.0015	-0.001	0.000	-0.002
44.00	14.90	14.60	15.80	0.00	2	0	217.2%	-0.995	0.0034	-0.013	0.000	-0.002
45.00	13.13	15.50	16.70	0.00	0	0	374.6%	-0.929	0.0171	-0.268	0.003	-0.002
45.50	13.75	16.00	17.20	0.00	0	0	380.9%	-0.930	0.0165	-0.268	0.003	-0.002
46.00	17.65	16.65	17.80	0.00	0	0	253.1%	-0.992	0.0042	-0.025	0.000	-0.003
47.00	18.65	17.55	19.95	0.00	3	0	408.6%	-0.928	0.0157	-0.293	0.003	-0.002
48.00	19.56	18.70	19.80	0.00	3	0	285.9%	-0.989	0.0046	-0.038	0.001	-0.003
50.00	20.71	20.65	21.80	0.00	0	0	289.8%	-0.993	0.0032	-0.024	0.000	-0.003

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.