![Jim Thome [Refractor] #37 (Baseball Cards 1995 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/pw4AAeSwighoZWYW/s-l1600.jpg)
Is Jim Thome [Refractor] #37 worth grading?
Baseball · Baseball Cards 1995 Finest · full price guide →
Strong grading candidate — 17× premium in PSA 10
A PSA 10 Jim Thome [Refractor] #37 sells for $525 against $31.00 raw: a $494 spread, 17× the ungraded price. A PSA 9 ($29.99) 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)
- $31.00
- PSA 10
- $525
- PSA 9
- $29.99
- Gem premium
- 17×
- 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 | $525 | +$469 | +$444 | +$344 |
| PSA 9 | $29.99 | −$26.01 | −$51.01 | −$151 |
| PSA 8 | $12.50 | −$43.50 | −$68.50 | −$169 |
Net = sale price − $31.00 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% | $154 | +$72.74 |
| 50% | $277 | +$196 |
| 75% | $401 | +$320 |
Break-even gem rate at the standard fee: about 10%. 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 | $683 | best | 55/45 | 70/30 |
| PSA 10 | $525 | −$158 | 55/45 | 75/25 |
| CGC 10 | $315 | −$368 | 55/45 | 75/25 |
| SGC 10 | $315 | −$368 | 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 | $525 | $315 | $683 | $315 | — |
| 9.5 | — | — | — | — | $33.00 |
| 9 | — | — | — | — | $29.99 |
| 8 | — | — | — | — | $12.50 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Grading Jim Thome [Refractor] #37 — FAQ
Is Jim Thome [Refractor] #37 worth grading?
A PSA 10 Jim Thome [Refractor] #37 sells for $525 against $31.00 raw: a $494 spread, 17× the ungraded price. A PSA 9 ($29.99) 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.
How much is a PSA 10 Jim Thome [Refractor] #37 worth compared with raw?
A PSA 10 Jim Thome [Refractor] #37 (Baseball Cards 1995 Finest) sells for about $525 versus $31.00 for a raw near-mint copy — a 17× premium as of Jul 11, 2026.
Which grading company is best for Jim Thome [Refractor] #37?
By resale value, BGS 10 leads at $683, ahead of PSA 10 at $525. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Jim Thome [Refractor] #37 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 Jim Thome [Refractor] #37 break even?
At a standard ~$50 fee, submitting Jim Thome [Refractor] #37 breaks even when it gems about 10% of the time (a miss assumed to sell at the PSA 9 price of $29.99).
Is your baseball 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.
Check my card free