![Tim Duncan [Gold Refractor] #20 (Basketball Cards 2006 Bowman Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/FVIAAOSwg51iE3Nj/s-l1600.jpg)
Is Tim Duncan [Gold Refractor] #20 worth grading?
Basketball · Basketball Cards 2006 Bowman Chrome · full price guide →
Strong grading candidate — 3.6× premium in Grade 9.5
A Grade 9.5 Tim Duncan [Gold Refractor] #20 sells for $585 against $164 raw: a $421 spread, 3.6× the ungraded price. A PSA 9 ($89.60) sells for less than raw, so anything short of a 10 loses money. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $164
- Grade 9.5
- $585
- PSA 9
- $89.60
- Gem premium
- 3.6×
- As of
- Sep 3, 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 | $585 | +$396 | +$371 | +$271 |
| PSA 9 | $89.60 | −$99.51 | −$125 | −$225 |
| PSA 8 | $50.00 | −$139 | −$164 | −$264 |
Net = sale price − $164 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% | $213 | −$0.66 |
| 50% | $337 | +$123 |
| 75% | $461 | +$247 |
Break-even gem rate at the standard fee: about 25%. Centering is the usual reason a clean copy misses — measure it before you decide.
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Should I pay this?
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Other 2006 Bowman Chrome cards worth checking
Full set checklist →![Jim Calhoun [Xfractor] #113 2006 Bowman Chrome card](https://i.ebayimg.com/images/g/0YwAAOSwHz9nWGzI/s-l500.jpg)
Grading Tim Duncan [Gold Refractor] #20 — FAQ
Is Tim Duncan [Gold Refractor] #20 worth grading?
A Grade 9.5 Tim Duncan [Gold Refractor] #20 sells for $585 against $164 raw: a $421 spread, 3.6× the ungraded price. A PSA 9 ($89.60) sells for less than raw, so anything short of a 10 loses money. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
What gem rate makes grading Tim Duncan [Gold Refractor] #20 break even?
At a standard ~$50 fee, submitting Tim Duncan [Gold Refractor] #20 breaks even when it gems about 25% of the time (a miss assumed to sell at the PSA 9 price of $89.60).
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