![Neymar Jr. [Gold Refractor] #25 (Soccer Cards 2020 Topps Finest UEFA Champions League) — is it worth grading?](https://i.ebayimg.com/images/g/8EEAAeSw-lpqSy6J/s-l1600.jpg)
Is Neymar Jr. [Gold Refractor] #25 worth grading?
Soccer · Soccer Cards 2020 Topps Finest UEFA Champions League · full price guide →
Grading rarely pays for this card
PSA 10 copies of Neymar Jr. [Gold Refractor] #25 sell for $39.37, only $2.03 above the $37.34 raw price — less than an economy-tier grading fee. A PSA 9 ($18.43) 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)
- $37.34
- PSA 10
- $39.37
- PSA 9
- $18.43
- Gem premium
- 1.1×
- As of
- Sep 4, 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 | $39.37 | −$22.97 | −$47.97 | −$148 |
| PSA 9 | $18.43 | −$43.91 | −$68.91 | −$169 |
Net = sale price − $37.34 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% | $23.66 | −$63.68 |
| 50% | $28.90 | −$58.44 |
| 75% | $34.13 | −$53.21 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
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 | $51.00 | best | 55/45 | 70/30 |
| PSA 10 | $39.37 | −$11.63 | 55/45 | 75/25 |
| CGC 10 | $24.00 | −$27.00 | 55/45 | 75/25 |
| SGC 10 | $24.00 | −$27.00 | 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 →Swipe the table for the other grading companies →
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2020 Topps Finest UEFA Champions League cards worth checking
Full set checklist →![Jamal Musiala [Pink Refractor] #45 2020 Topps Finest UEFA Champions League card](https://i.ebayimg.com/images/g/7XAAAOSw0tNkOhGx/s-l500.jpg)
Grading Neymar Jr. [Gold Refractor] #25 — FAQ
Is Neymar Jr. [Gold Refractor] #25 worth grading?
PSA 10 copies of Neymar Jr. [Gold Refractor] #25 sell for $39.37, only $2.03 above the $37.34 raw price — less than an economy-tier grading fee. A PSA 9 ($18.43) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.
How much is a PSA 10 Neymar Jr. [Gold Refractor] #25 worth compared with raw?
A PSA 10 Neymar Jr. [Gold Refractor] #25 (Soccer Cards 2020 Topps Finest UEFA Champions League) sells for about $39.37 versus $37.34 for a raw near-mint copy — a 1.1× premium as of Sep 4, 2026.
Which grading company is best for Neymar Jr. [Gold Refractor] #25?
By resale value, BGS 10 leads at $51.00, ahead of PSA 10 at $39.37. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Neymar Jr. [Gold Refractor] #25 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.
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