UPST - Upstart Holdings, Inc.
Upstart Holdings, Inc. , together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform aggregates consumer demand for loans and connects it to its network of the company's AI-enabled bank partners.
As of May 15, 2026: spot at $29.71, ATM IV 71.0%, max pain $35.00, net GEX $2.3M.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Market Cap
- $2.58B
- P/E Ratio
- 52.94
- Beta
- 2.26
- 52-Week Range
- 23.965-87.3
- CEO
- David J. Girouard
- Employees
- 1,193
- IPO Date
- Dec 16, 2020
- Exchange
- NASDAQ
What UPST Looks Like to Options Traders Today
IV rank of 26.3% is subdued relative to the 1-year history, conditions that typically favor premium-buying or long-volatility structures (debit spreads, calendar spreads, long straddles); positive net gamma exposure ($2.3M) means dealers hedge against trend, damping realized volatility and biasing price toward heavy-OI strikes; the 25-delta skew (0.005) is roughly flat across the wings.
What This Page Covers
The UPST overview links into per-metric analysis views: max pain, gamma exposure, volatility skew, expected move, options chain, open interest history, and aggregate Greeks. Microstructure data is available on short interest, short volume, fail-to-deliver, and market structure. Corporate data is on fundamentals, earnings, analyst ratings, and insider trading.
Frequently asked UPST overview questions
- What is UPST?
- UPST is the ticker symbol for Upstart Holdings, Inc., a listed security. Upstart Holdings, Inc. , together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Listed on NASDAQ. UPST is the equity ticker shown on this page; equity options traders use the security for directional, volatility, and income strategies via the listed options chain.
- What does the UPST options snapshot look like today?
- As of May 15, 2026, the UPST options snapshot shows spot at $29.71, ATM IV 71.0%, IV rank 26.3%, max pain $35.00, net GEX $2.3M, expected move 20.36%. The full options chain, Greeks by strike and expiration, per-strike open-interest distribution, dealer gamma and delta exposure, and the volatility skew surface are linked from this overview page. Each per-metric route refreshes once per trading session and reflects the most recent close-of-business listed-options state.
- What are UPST's key statistics?
- Upstart Holdings, Inc. (UPST) carries a market capitalization of $2.58B, trailing P/E ratio of 52.94, beta of 2.26 relative to the broader market, 52-week range of 23.965-87.3. Full income statement, balance sheet, cash flow, and TTM ratio history is on the per-ticker fundamentals page; daily price history and 52-week levels are accessible from the same view. These structural inputs frame how the options market prices implied volatility around earnings windows and capital events.
- What sector or industry does UPST belong to?
- Upstart Holdings, Inc. operates in the Financial Services sector, in the Financial - Credit Services industry. Sector classification affects how the ticker correlates with sector ETFs, how it reacts to macro factors like rate moves and commodity prices, and how its options pricing compares to sector peers. Compare UPST's implied volatility and skew against sector benchmarks to gauge whether the options market is pricing single-name or systemic risk relative to the broader peer group.
- How current is the UPST data on this page?
- The options snapshot above is dated May 15, 2026 and refreshes once per session, with all per-strike Greeks and exposure aggregates recomputed at the daily close. Company-profile fields (sector, industry, market cap, P/E, IPO date) refresh from the vendor feed nightly. Financials and earnings refresh as 10-K and 10-Q filings are parsed (typically within several business days of the actual report). FINRA microstructure data refreshes on the source's cadence (daily for short volume, bi-monthly for short interest, weekly for the OTC volume file, twice-monthly for SEC FTD).