Is Matias Fernandez-Pardo [Refractor] #103 worth grading?
Soccer · Soccer Cards 2024 Topps Merlin UEFA · full price guide →
Worth grading only if it gems
A PSA 10 Matias Fernandez-Pardo [Refractor] #103 brings $42.20 versus $2.87 raw — a $39.33 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($14.38) only about breaks even after fees, so the case rests on gemming.
- Raw (NM)
- $2.87
- PSA 10
- $42.20
- PSA 9
- $14.38
- Gem premium
- 15×
- As of
- Sep 3, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $42.20 | +$14.33 | −$10.67 | −$111 |
| PSA 9 | $14.38 | −$13.49 | −$38.49 | −$138 |
| PSA 8 | $7.55 | −$20.32 | −$45.32 | −$145 |
Net = sale price − $2.87 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
Expected value — how often does it need to gem?
| Chance it gems | Expected sale | Expected net (standard fee) |
|---|---|---|
| 25% | $21.34 | −$31.54 |
| 50% | $28.29 | −$24.58 |
| 75% | $35.25 | −$17.62 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
Which grader pays the most — and what a 10 takes
All centering standards →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $55.00 | best | 55/45 | 70/30 |
| PSA 10 | $42.20 | −$12.80 | 55/45 | 75/25 |
| CGC 10 | $25.00 | −$30.00 | 55/45 | 75/25 |
| SGC 10 | $25.00 | −$30.00 | 55/45 | 75/25 |
Tolerances are each company's published centering standard for its top grade; surface, corners and edges must also be clean. Centering is the one you can measure yourself before you pay.
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Grading Matias Fernandez-Pardo [Refractor] #103 — FAQ
Is Matias Fernandez-Pardo [Refractor] #103 worth grading?
A PSA 10 Matias Fernandez-Pardo [Refractor] #103 brings $42.20 versus $2.87 raw — a $39.33 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($14.38) only about breaks even after fees, so the case rests on gemming.
How much is a PSA 10 Matias Fernandez-Pardo [Refractor] #103 worth compared with raw?
A PSA 10 Matias Fernandez-Pardo [Refractor] #103 (Soccer Cards 2024 Topps Merlin UEFA) sells for about $42.20 versus $2.87 for a raw near-mint copy — a 15× premium as of Sep 3, 2026.
Which grading company is best for Matias Fernandez-Pardo [Refractor] #103?
By resale value, BGS 10 leads at $55.00, ahead of PSA 10 at $42.20. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Matias Fernandez-Pardo [Refractor] #103 need for a BGS 10?
BGS publishes 55/45 front and 70/30 back centering as the tolerance for a 10 (Gem Mint). Off-center copies are capped below the top grade regardless of surface — measure yours before paying the fee.
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