Is Jay Schroeder [Refractor] #129 worth grading?

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

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Jay Schroeder [Refractor] #129 sells for $35.00 against $4.80 raw: a $30.20 spread, 7.3× the ungraded price. Even a PSA 9 ($31.64) 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): $4.80
Grade 9.5: $35.00
PSA 9: $31.64
Gem premium: 7.3×
As of: Sep 3, 2026

Break-even by outcome and fee

Jay Schroeder [Refractor] #129: 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	$35.00	+$5.20	−$19.80	−$120
PSA 9	$31.64	+$1.84	−$23.16	−$123

Net = sale price − $4.80 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?

Jay Schroeder [Refractor] #129: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$32.48	−$22.32
50%	$33.32	−$21.48
75%	$34.16	−$20.64

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

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Raw conditions & history →

Jay Schroeder [Refractor] #129 graded prices by company and grade
Grade	Graded
9.5	$35.00
9	$31.64

Run your own numbers

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