thetaOwl

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
12
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
Max Pain — UPST
Data as of market close Jul 2, 2026

Nearest listed expiration 2026-07-10 shows max pain at $33.00 (1.78 below spot). Use this page to evaluate pin-risk zones, strike pressure, and open-interest concentration before selecting trade structure.

Max Pain Strike
$33.00
Nearest expiry
Expected Move
±$2.83
±8.2%
Days to Expiry
8
Calendar days
Total Call OI
5,879
Nearest expiry
Total Put OI
5,143
Nearest expiry
P/C OI Ratio
0.87
Put-heavy
Spot Price
$34.78
Published close
Consensus
-
Open report for full read

Max Pain by Expiration

Pain by Strike

Drill into expiration
Selected: 2026-07-10
ExpirationMax Pain StrikeLast Updated
2026-06-26$32.506/26/2026, 11:34:41 PM
2026-07-02$32.007/2/2026, 11:36:30 PM
2026-07-10NextUpdated$33.007/3/2026, 11:28:37 PM
2026-07-17$35.007/3/2026, 11:28:37 PM
2026-07-24$31.007/3/2026, 11:28:37 PM
2026-07-31$30.007/3/2026, 11:28:37 PM
2026-08-07$30.007/3/2026, 11:28:37 PM
2026-08-21$35.007/3/2026, 11:28:37 PM
2026-09-18$30.007/3/2026, 11:28:37 PM
2026-10-16$30.007/3/2026, 11:28:37 PM
2026-12-18$37.507/3/2026, 11:28:37 PM
2027-01-15$40.007/3/2026, 11:28:37 PM
2027-02-19$32.507/3/2026, 11:28:37 PM
2027-03-19$25.007/3/2026, 11:28:37 PM
2027-05-21$25.007/3/2026, 11:28:37 PM
Selected expiration: 2026-07-10 at max pain $33.00.
UPST pain by strike for 2026-07-10 expiration
StrikeCall PainPut PainTotal Pain
20052430005243000
21047289004728900
2240042149004215300
232130037100003731300
244220032110003253200
256310027128002775900
268450022254002309900
2710630017736001879900
27.511740015552001672600
2812850013384501466950
28.514020011269001267100
291519009161501068050
29.5164400789600954000
30176950663350840300
30.5198350552000750350
31219900446200666100
31.5244000354650598650
32269000264100533100
32.5297950185150483100
33327950111900439850
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.