![Matthew Stafford [Black Refractor] #92 (Football Cards 2010 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/URkAAeSwc5Fn4Pyf/s-l1600.jpg)
Is Matthew Stafford [Black Refractor] #92 worth grading?
Football · Football Cards 2010 Topps Finest · full price guide →
Grading rarely pays for this card
Grade 9.5 copies of Matthew Stafford [Black Refractor] #92 sell for $16.00, only $0.00 above the $32.98 raw price — less than an economy-tier grading fee. A PSA 9 ($14.99) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.
- Raw (NM)
- $32.98
- Grade 9.5
- $16.00
- PSA 9
- $14.99
- Gem premium
- 0.5×
- 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 | $16.00 | −$41.98 | −$66.98 | −$167 |
| PSA 9 | $14.99 | −$42.99 | −$67.99 | −$168 |
Net = sale price − $32.98 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% | $15.24 | −$67.74 |
| 50% | $15.50 | −$67.48 |
| 75% | $15.75 | −$67.23 |
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 | $16.00 |
| 9 | $14.99 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2010 Topps Finest cards worth checking
Full set checklist →![Larry Fitzgerald [Refractor] #90 2010 Topps Finest card](https://i.ebayimg.com/images/g/NsIAAeSwqLFpwDtO/s-l500.jpg)
![Aaron Rodgers [Xfractor] #56 2010 Topps Finest card](https://i.ebayimg.com/images/g/rmoAAOSwHldmgCbS/s-l500.jpg)
![Matthew Stafford [Refractor] #92 2010 Topps Finest card](https://i.ebayimg.com/images/g/jL8AAeSw4vdqKhnA/s-l500.jpg)
![Tim Tebow [Gold Refractor] #100 2010 Topps Finest card](https://i.ebayimg.com/images/g/j60AAeSwEk1o7B7u/s-l500.jpg)
Grading Matthew Stafford [Black Refractor] #92 — FAQ
Is Matthew Stafford [Black Refractor] #92 worth grading?
Grade 9.5 copies of Matthew Stafford [Black Refractor] #92 sell for $16.00, only $0.00 above the $32.98 raw price — less than an economy-tier grading fee. A PSA 9 ($14.99) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.
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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