UPST Options Chain, Open Interest, and Volatility Data

UPST Options Open Interest & Strategy Insights

UPST – Top 10 Strike Prices by Open Interest

Strike	Call OI	Put OI	Total OI
50	18920	13362	32282
70	21086	8876	29962
60	21768	5678	27446
100	19781	1123	20904
55	14815	5695	20510
45	4448	15105	19553
47.5	12989	6287	19276
80	17854	850	18704
90	16001	844	16845
30	1721	14874	16595

UPST – Volatility Metrics & Put/Call Analysis

Put/Call OI Ratio	Put/Call Volume Ratio	Avg Call IV	Avg Put IV	IV Skew
1.85	0.78	81.54%	79.84%	-1.71%

Data Analysis

Symbol: UPST Current Price: 41.75
Max Pain: 62.50 (below)

📌 Absolute OI Peak: 50.00 (32282 contracts)
🛡️ Short-term Key Levels: 30.00（16595 contracts，major support） , 45.00（19553 contracts，major resistance） , 47.50（19276 contracts，major resistance）

📈 Put/Call OI Ratio: 1.85 (bearish, Put OI dominant)
Put/Call Volume Ratio: 0.78 (bullish, Call volume dominant)

📊 Avg Call IV: 81.54%
Avg Put IV: 79.84%
IV Skew: -1.71% (Call IV higher than Put IV by 1.71%, upward expectation slightly stronger)

⚠️ Unusual OI concentration at far OTM strike 70.00 (29962 contracts), sentiment: bullish (Call OI dominant). May reflect speculative bets or hedging demand.

Market Sentiment Based on Options by Expiration Date

Date	Call Volume	Put Volume	Open Interest	Put/Call Ratio	Sentiment
2025-11-07	41057	24180	82945	0.589	Moderate Bullish 📈 (65)
2025-11-14	4296	3256	8387	0.758	Slight Bullish 📈 (60)
2025-11-21	4436	2365	27265	0.533	Slight Bullish 📈 (60)
2025-11-28	1193	192	3119	0.161	Moderate Bullish 📈 (70) ⚠️
2025-12-05	437	134	1100	0.307	Moderate Bullish 📈 (70)
2025-12-12	107	15	237	0.140	Moderate Bullish 📈 (70) ⚠️
2025-12-19	10171	1477	61264	0.145	Strong Bullish 📈💥 (85) ⚠️
2026-01-16	10788	770	78433	0.071	Strong Bullish 📈💥 (85) ⚠️
2026-03-20	3292	354	23065	0.108	Moderate Bullish 📈 (70) ⚠️
2026-04-17	585	114	3954	0.195	Moderate Bullish 📈 (70) ⚠️
2026-06-18	2038	245	20915	0.120	Moderate Bullish 📈 (70) ⚠️
2026-09-18	195	230	1315	1.179	Slight Bearish 📉 (40)
2027-01-15	3275	496	34394	0.151	Moderate Bullish 📈 (70) ⚠️
2028-01-21	812	69	4025	0.085	Moderate Bullish 📈 (70) ⚠️
How the Sentiment Algorithm Works This table evaluates market sentiment based on aggregated options data by expiration date. The key metrics are: Put/Call Ratio (PCR): Indicates the relative activity between put and call options. A high PCR suggests bearish sentiment, while a low PCR indicates bullish sentiment. Open Interest (OI): Represents the number of outstanding contracts. Higher values reflect strong market attention or hedging activity. Unusual activity ⚠️: Days with extremely high PCR or OI are flagged, signaling possible speculative bets or hedging pressures. The sentiment score is computed by combining PCR and OI, then classified into clear labels such as Strong Bullish, Moderate Bullish, Neutral, Moderate Bearish, Strong Bearish. Scores range from 0 to 100, where higher values indicate stronger bullish sentiment and lower values indicate stronger bearish sentiment.