Is Phil Simms [Refractor] #152 worth grading?

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

Worth grading — even a PSA 9 beats raw

A PSA 10 Phil Simms [Refractor] #152 sells for $893 against $18.80 raw: a $874 spread, 48× the ungraded price. Even a PSA 9 ($47.00) 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): $18.80
PSA 10: $893
PSA 9: $47.00
Gem premium: 48×
As of: Sep 3, 2026

Break-even by outcome and fee

Phil Simms [Refractor] #152: 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 — PSA 10	$893	+$849	+$824	+$724
PSA 9	$47.00	+$3.20	−$21.80	−$122
PSA 8	$42.32	−$1.48	−$26.48	−$126

Net = sale price − $18.80 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?

Phil Simms [Refractor] #152: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$259	+$190
50%	$470	+$401
75%	$682	+$613

Break-even gem rate at the standard fee: about 3%. Centering is the usual reason a clean copy misses — measure it before you decide.

Which grader pays the most — and what a 10 takes

All centering standards →

Phil Simms [Refractor] #152: top-grade value by grading company with centering tolerance
Grader	10 sells for	vs best	Front centering for a 10	Back
BGS 10	$1,161	best	55/45	70/30
PSA 10	$893	−$268	55/45	75/25
CGC 10	$536	−$625	55/45	75/25
SGC 10	$536	−$625	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.

Full grade ladder

Raw conditions & history →

Phil Simms [Refractor] #152 graded prices by company and grade
Grade	PSA	CGC	BGS	SGC	Graded
10	$893	$536	$1,161	$536	—
9.5	—	—	—	—	$173
9	—	—	—	—	$47.00
8	—	—	—	—	$42.32
7	—	—	—	—	$5.00

Swipe the table for the other grading companies →

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

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Grading Phil Simms [Refractor] #152 — FAQ

Is Phil Simms [Refractor] #152 worth grading?

How much is a PSA 10 Phil Simms [Refractor] #152 worth compared with raw?

A PSA 10 Phil Simms [Refractor] #152 (Football Cards 1994 Topps Finest) sells for about $893 versus $18.80 for a raw near-mint copy — a 48× premium as of Sep 3, 2026.

Which grading company is best for Phil Simms [Refractor] #152?

By resale value, BGS 10 leads at $1,161, ahead of PSA 10 at $893. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Phil Simms [Refractor] #152 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.

What gem rate makes grading Phil Simms [Refractor] #152 break even?

At a standard ~$50 fee, submitting Phil Simms [Refractor] #152 breaks even when it gems about 3% of the time (a miss assumed to sell at the PSA 9 price of $47.00).

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