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Is Ken Harvey [Embossed] #103 worth grading?

Football · Football Cards 1997 Topps Finest · full price guide →

Grading rarely pays for this card

Grade 9.5 copies of Ken Harvey [Embossed] #103 sell for $22.00, only $14.01 above the $7.99 raw price — less than an economy-tier grading fee. A PSA 9 ($20.35) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.

Raw (NM)
$7.99
Grade 9.5
$22.00
PSA 9
$20.35
Gem premium
2.8×
As of
Sep 3, 2026

Break-even by outcome and fee

Ken Harvey [Embossed] #103: net result of grading versus selling raw, by outcome and fee tier
If it comes back…Sells forEconomy / bulk (~$25.00)Standard (~$50.00)Express (~$150)
Gem — Grade 9.5$22.00−$10.99−$35.99−$136
PSA 9$20.35−$12.64−$37.64−$138

Net = sale price − $7.99 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?

Ken Harvey [Embossed] #103: expected value of submitting by gem probability
Chance it gemsExpected saleExpected net (standard fee)
25%$20.76−$37.23
50%$21.18−$36.81
75%$21.59−$36.40

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

Ken Harvey [Embossed] #103 graded prices by company and grade
GradeGraded
9.5$22.00
9$20.35

Run your own numbers

Should I pay this?

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Other 1997 Topps Finest cards worth checking

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Grading Ken Harvey [Embossed] #103 — FAQ

Is Ken Harvey [Embossed] #103 worth grading?

Grade 9.5 copies of Ken Harvey [Embossed] #103 sell for $22.00, only $14.01 above the $7.99 raw price — less than an economy-tier grading fee. A PSA 9 ($20.35) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.

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