Upstart (UPST) Options Chain

NASDAQ: UPSTFinanceFinance: Consumer ServicesUSD

24.19+0.17 (+0.71%)

At close: Oct 8, 4:00 PM ET · Delayed 15 min

After hours: 24.05 -0.58%

Expiration date

Expiration: Oct 9, 2026
Days to expiration: 1
Share price: $24.19
Put/call ratio (OI): 0.68
Put/call ratio (volume): 0.36
ATM implied volatility: 62.3%
Expected move: ±$0.7889
Open interest (C / P): 12.03K / 8.15K

UPST options summary

The UPST options chain for the October 9, 2026 expiration lists 35 call and 34 put contracts, with 1 day until expiration. Open interest stands at 12,025 calls and 8,154 puts, a put/call ratio of 0.68, which is tilted bullish, with calls outnumbering puts. At-the-money implied volatility near the $24.00 strike is 62.3%, which implies the market expects a move of about ±$0.7889 (3.3%) in Upstart stock by expiration.

The most open interest sits at the $25.00 call (2.49K contracts) and the $24.00 put (1.95K contracts).

Summary generated from market data by MetaCap's automated system. Methodology

UPST options chain · October 9, 2026

UPST calls and puts by strike price. Shaded cells are in the money.
Calls							Puts
OI	Vol	IV	Last	Bid	Ask	Strike	Bid	Ask	Last	IV	Vol	OI
19	5	206.3%	6.94	5.95	8.45	17.00	—	—	—	—	—	—
—	—	—	—	—	—	18.00	0.00	2.13	0.05	532.0%	5	6
—	—	—	—	—	—	19.00	0.00	2.13	0.02	469.5%	24	15
9	6	321.1%	4.95	3.60	5.20	19.50	0.00	0.26	0.09	210.9%	7	23
58	11	50.0%	3.70	2.93	5.45	20.00	0.00	0.06	0.11	140.6%	101	1,933
18	3	270.7%	3.14	2.65	4.20	20.50	0.00	0.15	0.01	150.8%	13	236
62	2	183.6%	2.70	2.60	4.25	21.00	0.00	0.23	0.03	148.4%	26	224
24	2	168.0%	2.16	1.91	2.95	21.50	0.00	0.70	0.02	187.9%	2	131
40	10	194.9%	1.68	1.62	2.70	22.00	0.00	0.01	0.01	59.4%	10	941
29	8	104.7%	1.46	1.00	1.86	22.50	0.01	0.02	0.02	55.5%	95	174
215	6	105.9%	0.96	0.87	1.48	23.00	0.01	0.09	0.04	55.1%	130	558
295	1,007	68.0%	0.60	0.55	0.90	23.50	0.03	0.28	0.15	58.4%	21	226
908	462	55.9%	0.45	0.24	0.50	24.00	0.20	0.60	0.39	68.8%	63	1,949
UPST $24.19
1,541	663	49.2%	0.16	0.12	0.22	24.50	0.17	0.78	0.68	85.2%	35	931
2,493	383	51.6%	0.08	0.06	0.10	25.00	0.73	1.04	0.94	74.6%	47	517
1,391	144	56.3%	0.03	0.01	0.05	25.50	1.00	2.01	1.62	88.7%	29	22
1,742	37	60.2%	0.02	0.01	0.04	26.00	1.56	2.37	1.90	98.4%	208	114
780	26	79.7%	0.01	0.00	0.08	26.50	2.23	2.99	2.56	145.3%	98	59
1,226	45	76.6%	0.01	0.00	0.03	27.00	1.95	3.70	2.95	76.6%	75	50
94	3	81.3%	0.01	0.00	0.02	27.50	2.88	4.60	3.75	204.3%	1	1
235	1	123.4%	0.11	0.00	0.11	28.00	3.40	5.00	3.85	212.9%	19	12
10	2	226.2%	0.01	0.00	0.76	28.50	—	—	—	—	—	—
182	100	169.5%	0.01	0.00	0.22	29.00	3.70	6.10	5.36	161.7%	1	6
2	2	250.8%	0.04	0.00	0.72	29.50	4.45	7.40	5.87	302.7%	1	0
93	2	118.8%	0.01	0.00	0.01	30.00	4.85	7.10	6.30	212.1%	5	0
4	1	199.2%	0.08	0.00	0.20	30.50	—	—	—	—	—	—
40	2	248.4%	0.10	0.00	0.41	31.00	6.30	8.10	7.05	297.3%	2	2
49	2	347.3%	0.07	0.00	1.00	32.00	6.30	9.10	8.55	494.5%	6	0
13	3	429.3%	0.01	0.00	1.55	33.00	7.30	10.10	9.45	522.3%	2	0
36	4	175.0%	0.01	0.00	0.01	34.00	9.05	11.10	10.38	332.0%	2	0
53	1	212.5%	0.02	0.00	0.03	35.00	10.45	12.50	11.46	453.9%	1	0
106	2	555.9%	0.05	0.00	2.13	36.00	10.30	13.65	11.59	333.6%	3	0
40	2	284.4%	0.03	0.00	0.10	37.00	12.15	14.45	12.51	454.3%	3	0
8	1	599.2%	0.45	0.00	2.13	38.00	13.20	15.10	14.38	431.3%	2	0
75	70	619.5%	0.03	0.00	2.13	39.00	14.00	16.10	15.30	414.1%	24	0
132	1	262.5%	0.02	0.00	0.02	40.00	14.85	17.00	16.23	372.7%	24	24
3	1	256.3%	0.01	0.00	0.01	41.00	16.20	18.45	17.35	532.8%	2	0

In-the-money callsIn-the-money puts. IV = implied volatility, OI = open interest (contracts). Each contract covers 100 shares. Quotes delayed at least 15 minutes.

Frequently asked questions

What is the UPST put/call ratio?

For the October 9, 2026 expiration, the UPST put/call ratio based on open interest is 0.68 (8,154 puts vs 12,025 calls), and 0.36 based on today's volume. A ratio above 1 means more puts than calls.

What is UPST's implied volatility?

At-the-money implied volatility for UPST options expiring October 9, 2026 is about 62.3%, an annualized estimate of how much the market expects Upstart stock to move.

How many UPST option expiration dates are there?

UPST has 16 listed expiration dates, from Oct 9, 2026 to Jan 19, 2029.

What does "in the money" mean?

A call is in the money when the strike price is below the current share price; a put is in the money when the strike is above it. In-the-money contracts have intrinsic value and are shaded in the table.