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: Apr 16, 2027
Days to expiration: 187
Share price: $24.10
Put/call ratio (OI): 0.28
Put/call ratio (volume): 1.29
ATM implied volatility: 68.3%
Expected move: ±$11.77
Open interest (C / P): 486 / 138

UPST options summary

The UPST options chain for the April 16, 2027 expiration lists 12 call and 12 put contracts, with 187 days until expiration. Open interest stands at 486 calls and 138 puts, a put/call ratio of 0.28, which is tilted bullish, with calls outnumbering puts. At-the-money implied volatility near the $25.00 strike is 68.3%, which implies the market expects a move of about ±$11.77 (48.9%) in Upstart stock by expiration.

The most open interest sits at the $35.00 call (136 contracts) and the $25.00 put (33 contracts).

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

UPST options chain · April 16, 2027

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
—	—	—	—	—	—	12.50	0.29	0.51	0.55	70.8%	—	1
—	—	—	10.24	—	—	15.00	0.50	0.92	1.04	65.2%	1	5
—	—	—	—	—	—	17.50	1.14	1.85	1.65	67.5%	5	29
10	6	67.5%	6.37	5.90	7.25	20.00	2.02	2.58	2.40	64.5%	5	7
2	1	73.3%	6.00	5.40	5.95	22.50	3.35	3.95	4.13	66.7%	1	3
UPST $24.10
31	4	72.1%	4.75	4.30	4.85	25.00	4.80	5.10	4.95	64.4%	1	33
46	1	73.0%	3.79	3.55	4.05	27.50	5.85	7.15	6.65	62.9%	6	23
65	5	72.5%	2.67	2.70	3.45	30.00	—	—	—	—	—	—
3	1	72.5%	2.39	2.25	2.78	32.50	9.85	11.05	10.84	65.4%	30	30
136	8	71.7%	2.03	1.76	2.26	35.00	12.05	13.35	11.60	68.3%	1	2
2	2	72.8%	2.44	1.42	1.99	37.50	13.50	15.50	15.25	61.8%	1	1
39	5	73.4%	1.39	1.06	1.81	40.00	16.20	17.95	13.19	68.5%	1	1
106	6	70.2%	1.73	0.86	1.20	42.50	—	—	—	—	—	—
46	2	72.5%	0.93	0.72	1.16	45.00	19.15	22.80	22.15	91.3%	1	3

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 April 16, 2027 expiration, the UPST put/call ratio based on open interest is 0.28 (138 puts vs 486 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 April 16, 2027 is about 68.3%, 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.