![Matt Ryan [Refractor] #10 (Football Cards 2009 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/SJkAAeSwQOlp82jB/s-l1600.jpg)
Is Matt Ryan [Refractor] #10 worth grading?
Football · Football Cards 2009 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Matt Ryan [Refractor] #10 sells for $64.00 against $21.10 raw: a $42.90 spread, 3.0× the ungraded price. Even a PSA 9 ($58.19) 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)
- $21.10
- Grade 9.5
- $64.00
- PSA 9
- $58.19
- Gem premium
- 3.0×
- As of
- Jul 11, 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 | $64.00 | +$17.90 | −$7.10 | −$107 |
| PSA 9 | $58.19 | +$12.09 | −$12.91 | −$113 |
Net = sale price − $21.10 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% | $59.64 | −$11.46 |
| 50% | $61.09 | −$10.01 |
| 75% | $62.55 | −$8.55 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $64.00 |
| 9 | $58.19 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2009 Topps Finest cards worth checking
Full set checklist →![Steven Jackson [Blue Refractor] #16 2009 Topps Finest card](https://i.ebayimg.com/images/g/W4oAAeSwZAxqKKlD/s-l500.jpg)
![Drew Brees [Refractor] #8 2009 Topps Finest card](https://i.ebayimg.com/images/g/Ox0AAeSwILhp3TJE/s-l500.jpg)
![Aaron Rodgers [Refractor] #22 2009 Topps Finest card](https://i.ebayimg.com/images/g/qv0AAeSwQ61qPRPD/s-l500.jpg)
Grading Matt Ryan [Refractor] #10 — FAQ
Is Matt Ryan [Refractor] #10 worth grading?
A Grade 9.5 Matt Ryan [Refractor] #10 sells for $64.00 against $21.10 raw: a $42.90 spread, 3.0× the ungraded price. Even a PSA 9 ($58.19) 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.
Is your football card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
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