Is Albert Lewis [Refractor] #84 worth grading?

Football · Football Cards 1994 Topps Finest · full price guide →

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Albert Lewis [Refractor] #84 sells for $80.00 against $4.46 raw: a $75.54 spread, 18× the ungraded price. Even a PSA 9 ($72.53) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.

Raw (NM): $4.46
Grade 9.5: $80.00
PSA 9: $72.53
Gem premium: 18×
As of: Sep 2, 2026

Break-even by outcome and fee

Albert Lewis [Refractor] #84: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$80.00	+$50.54	+$25.54	−$74.46
PSA 9	$72.53	+$43.07	+$18.07	−$81.93

Net = sale price − $4.46 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?

Albert Lewis [Refractor] #84: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$74.40	+$19.94
50%	$76.27	+$21.81
75%	$78.13	+$23.67

Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.

Full grade ladder

Raw conditions & history →

Albert Lewis [Refractor] #84 graded prices by company and grade
Grade	Graded
9.5	$80.00
9	$72.53

Run your own numbers

Should I pay this?

Asking priceGrading fee

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