Upstart (UPST) Options Chain

NASDAQ: UPSTFinanceFinance: Consumer ServicesUSD

24.10-0.09 (-0.37%)

At close: Oct 9, 4:00 PM ET · Delayed 15 min

Expiration date

Expiration: Oct 16, 2026
Days to expiration: 5
Share price: $24.10
Put/call ratio (OI): 0.79
Put/call ratio (volume): 1.29
ATM implied volatility: 52.7%
Expected move: ±$1.49
Open interest (C / P): 27.77K / 21.81K

UPST options summary

The UPST options chain for the October 16, 2026 expiration lists 38 call and 39 put contracts, with 5 days until expiration. Open interest stands at 27,767 calls and 21,811 puts, a put/call ratio of 0.79, which is fairly balanced between calls and puts. At-the-money implied volatility near the $24.00 strike is 52.7%, which implies the market expects a move of about ±$1.49 (6.2%) in Upstart stock by expiration.

The most open interest sits at the $30.00 call (6.00K contracts) and the $17.50 put (6.54K contracts).

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

UPST options chain · October 16, 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
—	—	—	—	—	—	14.00	—	—	0.05	—	—	—
55	24	421.1%	8.79	7.85	10.15	15.00	0.00	0.75	0.46	299.2%	1	618
2	—	266.8%	8.85	7.55	9.40	16.00	—	—	—	—	—	—
1	—	221.1%	7.80	6.70	8.10	17.00	0.00	0.67	0.02	228.1%	20	102
4	5	902.7%	10.50	11.45	13.95	17.50	0.00	0.75	0.01	221.1%	2	6,545
—	—	—	—	—	—	18.00	0.00	0.95	0.04	223.1%	—	27
—	—	—	5.70	—	—	19.00	0.00	0.03	0.01	87.5%	264	888
204	18	95.3%	4.23	3.90	4.45	20.00	0.01	0.22	0.01	105.9%	2	783
—	—	—	—	—	—	20.50	0.00	0.08	0.02	75.0%	9	770
—	—	—	2.80	—	—	21.00	0.01	0.11	0.03	71.5%	15	244
2	4	128.9%	2.71	2.14	4.15	21.50	0.01	0.09	0.05	59.4%	11	544
7	5	102.3%	2.27	1.52	3.55	22.00	0.07	0.10	0.07	57.0%	32	287
184	2	53.9%	1.89	1.29	2.18	22.50	0.13	0.26	0.11	61.5%	273	1,271
111	1	62.3%	1.55	0.57	2.28	23.00	0.19	0.26	0.24	52.1%	253	387
80	18	88.3%	1.05	0.47	1.40	23.50	0.34	0.43	0.38	52.7%	155	521
245	332	52.0%	0.72	0.58	0.80	24.00	0.58	0.64	0.60	53.5%	252	340
UPST $24.10
2,133	292	55.3%	0.55	0.43	0.58	24.50	0.72	0.91	0.81	55.7%	921	767
2,927	480	54.3%	0.34	0.31	0.34	25.00	1.10	1.34	1.24	53.9%	444	2,953
518	161	56.1%	0.20	0.20	0.24	25.50	1.29	1.81	1.57	75.0%	9	866
812	400	55.5%	0.12	0.11	0.15	26.00	1.19	2.54	2.00	108.4%	27	444
864	191	54.3%	0.10	0.02	0.12	26.50	2.31	2.57	2.48	70.1%	70	367
753	50	57.4%	0.05	0.04	0.06	27.00	1.74	4.10	3.42	182.2%	1	69
1,960	60	63.3%	0.05	0.04	0.05	27.50	3.30	3.85	3.39	88.3%	13	1,213
238	54	77.7%	0.04	0.00	0.15	28.00	3.20	5.15	4.09	110.7%	1	43
45	4	79.3%	0.04	0.01	0.10	28.50	3.35	4.65	3.82	115.6%	2	4
1,143	2	99.6%	0.03	0.00	0.22	29.00	4.45	6.15	4.80	143.6%	10	2
108	48	90.2%	0.05	0.00	0.10	29.50	4.65	6.40	5.53	109.4%	—	0
6,002	12	79.7%	0.02	0.01	0.02	30.00	4.85	6.90	5.78	225.4%	2	1,599
23	1	157.8%	0.09	0.00	0.66	30.50	—	—	—	—	—	—
117	2	89.1%	0.06	0.01	0.02	31.00	6.05	7.60	7.85	211.3%	1	12
8	1	87.5%	0.06	0.00	0.01	32.00	6.95	8.60	8.67	226.8%	2	1
1,412	2	132.8%	0.14	0.00	0.15	32.50	7.45	9.10	8.63	234.2%	14	141
10	—	198.8%	0.12	0.00	0.75	33.00	7.95	9.40	9.40	216.4%	2	0
57	1	211.5%	0.07	0.00	0.75	34.00	8.95	10.60	10.57	255.1%	1	0
1,261	5	109.4%	0.02	0.00	0.01	35.00	9.75	11.20	10.60	210.9%	1	1
428	1	153.1%	0.07	0.00	0.05	37.50	12.10	14.55	12.18	351.4%	1	0
1,446	2	276.6%	0.04	0.00	0.75	40.00	14.60	17.10	16.30	386.1%	1	0
275	6	207.8%	0.01	0.00	0.10	42.50	17.10	19.35	18.30	383.4%	2	0
1,447	1	184.4%	0.27	0.00	0.02	45.00	19.60	21.95	19.76	419.5%	3	0
572	1	240.6%	0.05	0.00	0.10	47.50	22.10	24.65	20.85	465.4%	2	0
2,313	2	228.1%	0.02	0.00	0.04	50.00	24.60	27.15	24.90	486.5%	2	2

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 16, 2026 expiration, the UPST put/call ratio based on open interest is 0.79 (21,811 puts vs 27,767 calls), and 1.29 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 16, 2026 is about 52.7%, an annualized estimate of how much the market expects Upstart stock to move.

How many UPST option expiration dates are there?

UPST has 15 listed expiration dates, from Oct 16, 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.