Is Henry Ellard [Refractor] #102 worth grading?

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

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Henry Ellard [Refractor] #102 sells for $44.00 against $8.02 raw: a $35.98 spread, 5.5× the ungraded price. Even a PSA 9 ($39.95) 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): $8.02
Grade 9.5: $44.00
PSA 9: $39.95
Gem premium: 5.5×
As of: Sep 3, 2026

Break-even by outcome and fee

Henry Ellard [Refractor] #102: 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	$44.00	+$10.98	−$14.02	−$114
PSA 9	$39.95	+$6.93	−$18.07	−$118
PSA 8	$19.95	−$13.07	−$38.07	−$138

Net = sale price − $8.02 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?

Henry Ellard [Refractor] #102: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$40.96	−$17.06
50%	$41.98	−$16.05
75%	$42.99	−$15.03

At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.

Full grade ladder

Raw conditions & history →

Henry Ellard [Refractor] #102 graded prices by company and grade
Grade	Graded
9.5	$44.00
9	$39.95
8	$19.95

Run your own numbers

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