$Jim Thome [Refractor] #148 (Baseball Cards 1997 Finest Embossed) — is it worth grading?$

Is Jim Thome [Refractor] #148 worth grading?

Baseball · Baseball Cards 1997 Finest Embossed · full price guide →

Worth grading only if it gems

A Grade 9.5 Jim Thome [Refractor] #148 brings $220 versus $193 raw — a $26.51 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($200) only about breaks even after fees, so the case rests on gemming.

Raw (NM): $193
Grade 9.5: $220
PSA 9: $200
Gem premium: 1.1×
As of: Sep 4, 2026

Break-even by outcome and fee

Jim Thome [Refractor] #148: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$220	+$1.51	−$23.49	−$123
PSA 9	$200	−$18.49	−$43.49	−$143

Net = sale price − $193 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?

Jim Thome [Refractor] #148: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$205	−$38.49
50%	$210	−$33.49
75%	$215	−$28.49

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 →

Jim Thome [Refractor] #148 graded prices by company and grade
Grade	Graded
9.5	$220
9	$200

Run your own numbers

Should I pay this?

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