![Steve Francis [Refractor] #35 (Basketball Cards 2003 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/NpEAAOSwGLZgN-7l/s-l1600.jpg)
Is Steve Francis [Refractor] #35 worth grading?
Basketball · Basketball Cards 2003 Topps Chrome · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Steve Francis [Refractor] #35 sells for $150 against $4.23 raw: a $146 spread, 35× the ungraded price. Even a PSA 9 ($30.01) 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)
- $4.23
- PSA 10
- $150
- PSA 9
- $30.01
- Gem premium
- 35×
- 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 — PSA 10 | $150 | +$121 | +$95.77 | −$4.23 |
| PSA 9 | $30.01 | +$0.78 | −$24.22 | −$124 |
| PSA 8 | $17.58 | −$11.65 | −$36.65 | −$137 |
Net = sale price − $4.23 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% | $60.01 | +$5.78 |
| 50% | $90.00 | +$35.77 |
| 75% | $120 | +$65.77 |
Break-even gem rate at the standard fee: about 20%. 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 | $195 | best | 55/45 | 70/30 |
| PSA 10 | $150 | −$45.00 | 55/45 | 75/25 |
| CGC 10 | $90.00 | −$105 | 55/45 | 75/25 |
| SGC 10 | $90.00 | −$105 | 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.
Full grade ladder
Raw conditions & history →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $150 | $90.00 | $195 | $90.00 | — |
| 9.5 | — | — | — | — | $36.74 |
| 9 | — | — | — | — | $30.01 |
| 8 | — | — | — | — | $17.58 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2003 Topps Chrome cards worth checking
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![Dwyane Wade [Black Refractor] #115 2003 Topps Chrome card](https://i.ebayimg.com/images/g/~NYAAeSwrndqUnjL/s-l500.jpg)
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Grading Steve Francis [Refractor] #35 — FAQ
Is Steve Francis [Refractor] #35 worth grading?
A PSA 10 Steve Francis [Refractor] #35 sells for $150 against $4.23 raw: a $146 spread, 35× the ungraded price. Even a PSA 9 ($30.01) 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 Steve Francis [Refractor] #35 worth compared with raw?
A PSA 10 Steve Francis [Refractor] #35 (Basketball Cards 2003 Topps Chrome) sells for about $150 versus $4.23 for a raw near-mint copy — a 35× premium as of Jul 11, 2026.
Which grading company is best for Steve Francis [Refractor] #35?
By resale value, BGS 10 leads at $195, ahead of PSA 10 at $150. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Steve Francis [Refractor] #35 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 Steve Francis [Refractor] #35 break even?
At a standard ~$50 fee, submitting Steve Francis [Refractor] #35 breaks even when it gems about 20% of the time (a miss assumed to sell at the PSA 9 price of $30.01).
Is your basketball 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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