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: May 21, 2027
Days to expiration: 223
Share price: $24.10
Put/call ratio (OI): 0.50
Put/call ratio (volume): 0.89
ATM implied volatility: 71.3%
Expected move: ±$13.44
Open interest (C / P): 5.74K / 2.90K

UPST options summary

The UPST options chain for the May 21, 2027 expiration lists 15 call and 15 put contracts, with 223 days until expiration. Open interest stands at 5,744 calls and 2,896 puts, a put/call ratio of 0.50, which is tilted bullish, with calls outnumbering puts. At-the-money implied volatility near the $25.00 strike is 71.3%, which implies the market expects a move of about ±$13.44 (55.8%) in Upstart stock by expiration.

The most open interest sits at the $25.00 call (1.42K contracts) and the $30.00 put (744 contracts).

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

UPST options chain · May 21, 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
397	16	82.3%	10.70	9.40	12.00	15.00	0.77	1.40	1.37	69.8%	1	93
51	1	74.0%	9.00	7.70	9.75	17.50	1.75	2.18	2.31	71.0%	10	108
184	1	77.1%	7.20	7.25	7.80	20.00	2.65	3.05	2.98	67.9%	1	115
75	3	76.9%	6.40	6.20	6.50	22.50	3.70	4.40	4.55	66.8%	5	358
UPST $24.10
1,418	8	75.6%	5.00	5.00	5.55	25.00	5.20	5.90	5.63	67.1%	6	676
166	7	74.9%	4.47	4.15	4.65	27.50	6.55	7.45	7.65	64.3%	2	188
465	2	74.8%	3.35	3.35	4.05	30.00	8.15	9.40	8.70	63.8%	11	744
847	2	73.8%	2.85	2.80	3.30	32.50	9.75	11.65	11.38	63.5%	30	84
489	25	74.0%	2.40	2.36	2.80	35.00	12.55	13.95	13.52	70.7%	3	71
169	1	74.5%	2.34	1.77	2.66	37.50	14.40	16.00	14.83	68.2%	3	112
677	11	75.6%	2.16	1.54	2.36	40.00	15.65	18.20	17.81	60.0%	1	34
141	1	74.5%	1.73	1.27	1.92	42.50	18.80	20.45	17.88	68.0%	1	58
204	5	75.0%	1.42	1.27	1.51	45.00	20.70	22.85	21.02	65.1%	1	64
43	2	77.6%	1.22	1.04	1.61	47.50	23.45	25.10	24.76	68.7%	1	78
418	2	77.4%	1.06	0.93	1.34	50.00	25.65	27.15	27.05	62.6%	1	113

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 May 21, 2027 expiration, the UPST put/call ratio based on open interest is 0.50 (2,896 puts vs 5,744 calls), and 0.89 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 May 21, 2027 is about 71.3%, 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.