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UPST

Upstart Holdings, Inc.Close $22.81EOD only

Max Pain

$24.50

Next expiry Oct 9, 2026

Expected Move

±$0.74

3.2% from close

Price Gap

+1.69

Distance to max pain

IV Rank

Low premium

P/C OI

0.64

Slightly call-heavy

Consensus

—

No reports available

Published snapshot: Oct 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

Oct 2, 2026 close

UPST Options Chain

Data as of market close Oct 2, 2026

Expiration

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

Control Row

Next expiry (DTE 7)

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	8.62	4.85	7.10	0.00	0	12	144.9%	0.942	0.0254	-0.040	0.004	0.003
20.00	3.10	1.77	3.85	0.00	52	38	171.7%	0.750	0.0586	-0.125	0.010	0.003
22.00	1.30	0.93	1.27	-0.06	2	37	60.5%	0.685	0.1856	-0.050	0.011	0.003
23.50	0.31	0.36	0.59	-0.24	106	35	56.4%	0.370	0.2118	-0.049	0.012	0.002
24.00	0.26	0.25	0.28	-0.18	406	186	51.2%	0.251	0.1971	-0.037	0.010	0.001
24.50	0.21	0.05	0.26	-0.14	60	1,352	50.0%	0.162	0.1554	-0.028	0.008	0.001
25.00	0.11	0.08	0.13	-0.10	1,884	2,615	52.0%	0.110	0.1145	-0.022	0.006	0.000
25.50	0.09	0.02	0.10	-0.04	87	70	52.0%	0.067	0.0787	-0.015	0.004	0.000
26.00	0.06	0.01	0.08	-0.03	485	706	54.7%	0.047	0.0563	-0.012	0.003	0.000
26.50	0.02	0.00	0.08	-0.04	14	113	59.8%	0.039	0.0449	-0.012	0.003	0.000
27.00	0.04	0.00	0.08	-0.01	2	705	65.6%	0.036	0.0380	-0.012	0.002	0.000
27.50	0.05	0.00	0.05	-0.07	2	38	65.6%	0.023	0.0259	-0.008	0.002	0.000
28.00	0.04	0.01	0.02	-0.02	15	229	65.6%	0.014	0.0171	-0.005	0.001	0.000
28.50	0.05	0.00	0.95	0.00	2	6	150.8%	0.169	0.0529	-0.086	0.008	0.001
29.00	0.04	0.00	0.25	0.00	26	89	109.0%	0.066	0.0371	-0.032	0.004	0.000
29.50	0.04	0.00	0.20	0.00	1	3	109.4%	0.053	0.0312	-0.027	0.003	0.000
30.00	0.01	0.00	0.03	0.00	4	137	82.8%	0.010	0.0102	-0.005	0.001	0.000
30.50	0.08	0.00	0.96	0.00	0	3	178.9%	0.148	0.0409	-0.094	0.007	0.001
31.00	0.01	0.00	0.94	-0.08	1	40	184.2%	0.142	0.0386	-0.094	0.007	0.001
32.00	0.01	0.00	0.05	0.00	5	48	107.0%	0.014	0.0104	-0.009	0.001	0.000
33.00	0.01	0.00	2.12	-0.10	2	15	271.9%	0.215	0.0340	-0.180	0.009	0.001
34.00	0.05	0.00	0.04	0.00	2	37	118.8%	0.010	0.0069	-0.007	0.001	0.000
35.00	0.01	0.00	0.05	0.00	1	54	129.7%	0.011	0.0071	-0.009	0.001	0.000
36.00	0.05	0.00	0.75	0.00	97	106	225.8%	0.097	0.0240	-0.087	0.005	0.000
37.00	0.04	0.00	1.15	0.00	1	39	263.1%	0.126	0.0250	-0.123	0.007	0.000
38.00	0.12	0.00	0.95	0.00	7	5	259.0%	0.107	0.0226	-0.108	0.006	0.000
39.00	0.12	0.00	0.13	0.00	2	2	179.7%	0.021	0.0090	-0.021	0.002	0.000
40.00	0.15	0.00	0.04	0.08	2	3	159.4%	0.008	0.0041	-0.007	0.001	0.000
41.00	0.36	0.00	0.05	0.00	1	4	168.8%	0.008	0.0043	-0.009	0.001	0.000

Puts

Strike	Last	Bid	Ask	Chg	Vol	OI	IV	Delta	Gamma	Theta	Vega	Rho
18.00	0.03	0.00	0.03	0.00	0	2	76.6%	-0.011	0.0119	-0.005	0.001	-0.000
19.00	0.11	0.00	0.96	0.00	0	1	143.9%	-0.154	0.0521	-0.077	0.007	-0.001
20.00	0.03	0.01	0.17	-0.03	263	1,583	66.8%	-0.070	0.0636	-0.020	0.004	-0.000
20.50	0.06	0.02	0.28	-0.02	16	229	66.4%	-0.112	0.0908	-0.028	0.006	-0.001
21.00	0.14	0.08	0.21	-0.03	40	183	55.1%	-0.129	0.1207	-0.026	0.007	-0.001
21.50	0.25	0.16	0.34	-0.16	24	65	55.5%	-0.206	0.1628	-0.035	0.009	-0.001
22.00	0.29	0.19	0.37	-0.11	86	289	53.1%	-0.295	0.2055	-0.041	0.011	-0.001
22.50	0.50	0.43	0.60	0.05	99	42	55.7%	-0.410	0.2211	-0.048	0.012	-0.002
23.00	0.75	0.67	0.80	0.09	171	191	51.8%	-0.527	0.2434	-0.045	0.013	-0.002
23.50	1.00	0.88	1.26	0.00	49	83	63.8%	-0.612	0.1902	-0.053	0.012	-0.003
24.00	1.42	1.23	1.66	0.07	194	511	50.2%	-0.753	0.1990	-0.034	0.010	-0.004
24.50	1.80	1.70	2.07	0.23	168	892	54.3%	-0.816	0.1549	-0.030	0.008	-0.004
25.00	2.25	1.96	2.58	0.21	91	544	83.2%	-0.768	0.1162	-0.055	0.010	-0.004
25.50	2.59	1.57	3.90	-0.07	1	34	162.5%	-0.648	0.0723	-0.134	0.012	-0.004
26.00	3.03	2.76	4.30	0.27	10	234	96.7%	-0.817	0.0868	-0.055	0.008	-0.004
26.50	3.51	3.40	4.35	-0.05	20	112	86.3%	-0.882	0.0723	-0.036	0.006	-0.005
27.00	3.97	3.80	4.35	0.12	1	122	89.8%	-0.901	0.0614	-0.032	0.006	-0.005
27.50	4.89	3.45	4.85	0.00	1	0	96.5%	-0.908	0.0543	-0.033	0.005	-0.005
28.00	4.90	4.50	5.55	0.00	29	12	130.5%	-0.851	0.0564	-0.065	0.007	-0.005
29.00	5.90	5.00	7.35	0.00	1	5	224.0%	-0.731	0.0466	-0.164	0.010	-0.005
29.50	6.40	5.15	7.25	0.00	1	0	174.4%	-0.827	0.0465	-0.098	0.008	-0.005
30.00	6.85	6.60	8.35	0.00	1	3	147.7%	-0.891	0.0400	-0.059	0.006	-0.005
31.00	7.73	6.70	9.45	0.00	1	1	263.3%	-0.744	0.0387	-0.188	0.010	-0.005
32.00	6.57	7.65	9.70	0.00	5	0	201.2%	-0.858	0.0353	-0.098	0.007	-0.006
34.00	9.70	9.65	11.30	0.00	4	0	156.3%	-0.958	0.0180	-0.027	0.003	-0.006
35.00	11.57	11.05	12.75	-0.63	1	3	241.0%	-0.867	0.0282	-0.113	0.007	-0.006
37.00	14.16	12.40	15.20	0.00	4	0	312.7%	-0.816	0.0270	-0.184	0.008	-0.006
38.00	15.23	13.40	16.15	0.00	2	0	317.6%	-0.826	0.0256	-0.180	0.008	-0.007
39.00	15.90	14.20	17.15	0.00	2	0	327.3%	-0.830	0.0245	-0.183	0.008	-0.007
40.00	16.83	15.40	17.95	0.00	2	0	314.1%	-0.858	0.0226	-0.155	0.007	-0.007
41.00	17.07	16.75	19.65	0.00	0	0	153.1%	-0.996	0.0024	0.001	0.000	-0.008

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.