Is Stephen Davis [Refractor Autograph] #FM7 worth grading?
Football · Football Cards 2000 Topps Finest Moments · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Stephen Davis [Refractor Autograph] #FM7 sells for $197 against $8.68 raw: a $189 spread, 23× the ungraded price. Even a PSA 9 ($40.68) 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)
- $8.68
- PSA 10
- $197
- PSA 9
- $40.68
- Gem premium
- 23×
- As of
- Sep 4, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $197 | +$164 | +$139 | +$38.67 |
| PSA 9 | $40.68 | +$7.00 | −$18.00 | −$118 |
| PSA 8 | $20.83 | −$12.85 | −$37.85 | −$138 |
Net = sale price − $8.68 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% | $79.85 | +$21.17 |
| 50% | $119 | +$60.34 |
| 75% | $158 | +$99.50 |
Break-even gem rate at the standard fee: about 11%. 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 →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $257 | best | 55/45 | 70/30 |
| PSA 10 | $197 | −$59.65 | 55/45 | 75/25 |
| CGC 10 | $118 | −$139 | 55/45 | 75/25 |
| SGC 10 | $118 | −$139 | 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.
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2000 Topps Finest Moments cards worth checking
Full set checklist →![Bart Starr [Refractor Autograph] #FM1 2000 Topps Finest Moments card](https://i.ebayimg.com/images/g/VsAAAOSwpMNmzPmb/s-l500.jpg)
Grading Stephen Davis [Refractor Autograph] #FM7 — FAQ
Is Stephen Davis [Refractor Autograph] #FM7 worth grading?
A PSA 10 Stephen Davis [Refractor Autograph] #FM7 sells for $197 against $8.68 raw: a $189 spread, 23× the ungraded price. Even a PSA 9 ($40.68) 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.
How much is a PSA 10 Stephen Davis [Refractor Autograph] #FM7 worth compared with raw?
A PSA 10 Stephen Davis [Refractor Autograph] #FM7 (Football Cards 2000 Topps Finest Moments) sells for about $197 versus $8.68 for a raw near-mint copy — a 23× premium as of Sep 4, 2026.
Which grading company is best for Stephen Davis [Refractor Autograph] #FM7?
By resale value, BGS 10 leads at $257, ahead of PSA 10 at $197. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Stephen Davis [Refractor Autograph] #FM7 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 Stephen Davis [Refractor Autograph] #FM7 break even?
At a standard ~$50 fee, submitting Stephen Davis [Refractor Autograph] #FM7 breaks even when it gems about 11% of the time (a miss assumed to sell at the PSA 9 price of $40.68).
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