Is Ronnie Lott [Refractor] #44 worth grading?
Football · Football Cards 1995 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Ronnie Lott [Refractor] #44 sells for $77.00 against $3.54 raw: a $73.46 spread, 22× the ungraded price. Even a PSA 9 ($69.95) 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)
- $3.54
- Grade 9.5
- $77.00
- PSA 9
- $69.95
- Gem premium
- 22×
- 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 — Grade 9.5 | $77.00 | +$48.46 | +$23.46 | −$76.54 |
| PSA 9 | $69.95 | +$41.41 | +$16.41 | −$83.59 |
| PSA 8 | $12.50 | −$16.04 | −$41.04 | −$141 |
Net = sale price − $3.54 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% | $71.71 | +$18.17 |
| 50% | $73.47 | +$19.93 |
| 75% | $75.24 | +$21.70 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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Grading Ronnie Lott [Refractor] #44 — FAQ
Is Ronnie Lott [Refractor] #44 worth grading?
A Grade 9.5 Ronnie Lott [Refractor] #44 sells for $77.00 against $3.54 raw: a $73.46 spread, 22× the ungraded price. Even a PSA 9 ($69.95) 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.
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