thetaOwl

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
23
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
Max Pain — UPST
Data as of market close Oct 2, 2026

Nearest listed expiration 2026-10-09 shows max pain at $24.50 (1.69 above spot). Use this page to evaluate pin-risk zones, strike pressure, and open-interest concentration before selecting trade structure.

Max Pain Strike
$24.50
Nearest expiry
Expected Move
±$0.74
±3.2%
Days to Expiry
7
Calendar days
Total Call OI
6,727
Nearest expiry
Total Put OI
5,141
Nearest expiry
P/C OI Ratio
0.76
Put-heavy
Spot Price
$22.81
Published close
Consensus
-
Open report for full read

Max Pain by Expiration

Pain by Strike

Drill into expiration
Selected: 2026-10-09
ExpirationMax Pain StrikeLast Updated
2026-09-25$26.009/25/2026, 11:35:02 PM
2026-10-02Updated$23.0010/2/2026, 11:29:18 PM
2026-10-09Next$24.5010/2/2026, 11:29:18 PM
2026-10-16$25.5010/2/2026, 11:29:18 PM
2026-10-23$25.0010/2/2026, 11:29:18 PM
2026-10-30$24.0010/2/2026, 11:29:18 PM
2026-11-06$25.0010/2/2026, 11:29:18 PM
2026-11-20$25.0010/2/2026, 11:29:18 PM
2026-12-18$30.0010/2/2026, 11:29:18 PM
2027-01-15$32.5010/2/2026, 11:29:18 PM
2027-02-19$32.5010/2/2026, 11:29:18 PM
2027-03-19$30.0010/2/2026, 11:29:18 PM
2027-04-16$25.0010/2/2026, 11:29:18 PM
2027-05-21$25.0010/2/2026, 11:29:18 PM
Selected expiration: 2026-10-09 at max pain $24.50.
UPST pain by strike for 2026-10-09 expiration
StrikeCall PainPut PainTotal Pain
17029537502953750
18120024396502440850
19240019257501928150
20360014119501415550
20.5610012342001240300
21860010679001076500
21.511100910750921850
2213600756850770450
22.517950617400635350
2322300480050502350
23.526650352250378900
2432750228600261350
24.548150130500178650
2513115077000208150
25.534490050700395600
2656215026100588250
26.581470013200827900
27107290059001078800
27.5136635047001371050
28166170035001665200
How to Read Max Pain
Compare pin-risk and strike-pressure across expirations from the latest published close.
What max pain measures

Max pain is the strike where option holders would collectively lose the most at expiration, based on open interest across the listed chain.

How traders use it

It is most useful as a possible pinning zone, especially when spot is already trading near a crowded strike into expiration.

What can break it

Strong directional flows, news, or fast spot moves can overwhelm any pinning tendency, so max pain should support a thesis rather than drive it alone.

The closer you are to expiration, the more useful this becomes as context and the less useful it is as a standalone prediction.