![Tom Brady [Refractor] #140 (Football Cards 2015 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/uWkAAeSw99lpRvDm/s-l1600.jpg)
Is Tom Brady [Refractor] #140 worth grading?
Football · Football Cards 2015 Topps Finest · full price guide →
Strong grading candidate — 4.0× premium in PSA 10
A PSA 10 Tom Brady [Refractor] #140 sells for $338 against $84.99 raw: a $253 spread, 4.0× the ungraded price. A PSA 9 ($96.91) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $84.99
- PSA 10
- $338
- PSA 9
- $96.91
- Gem premium
- 4.0×
- 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 | $338 | +$228 | +$203 | +$103 |
| PSA 9 | $96.91 | −$13.08 | −$38.08 | −$138 |
| PSA 8 | $27.00 | −$82.99 | −$108 | −$208 |
Net = sale price − $84.99 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% | $157 | +$22.28 |
| 50% | $218 | +$82.63 |
| 75% | $278 | +$143 |
Break-even gem rate at the standard fee: about 16%. 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 | $440 | best | 55/45 | 70/30 |
| PSA 10 | $338 | −$102 | 55/45 | 75/25 |
| CGC 10 | $203 | −$237 | 55/45 | 75/25 |
| SGC 10 | $150 | −$290 | 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 2015 Topps Finest cards worth checking
Full set checklist →
![Von Miller [Xfractor] #28 2015 Topps Finest card](https://i.ebayimg.com/images/g/ajQAAeSw-olpvD9v/s-l500.jpg)
![Travis Kelce [Xfractor] #23 2015 Topps Finest card](https://i.ebayimg.com/images/g/WR8AAeSwOnVqJ2VX/s-l500.jpg)
Grading Tom Brady [Refractor] #140 — FAQ
Is Tom Brady [Refractor] #140 worth grading?
A PSA 10 Tom Brady [Refractor] #140 sells for $338 against $84.99 raw: a $253 spread, 4.0× the ungraded price. A PSA 9 ($96.91) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Tom Brady [Refractor] #140 worth compared with raw?
A PSA 10 Tom Brady [Refractor] #140 (Football Cards 2015 Topps Finest) sells for about $338 versus $84.99 for a raw near-mint copy — a 4.0× premium as of Sep 4, 2026.
Which grading company is best for Tom Brady [Refractor] #140?
By resale value, BGS 10 leads at $440, ahead of PSA 10 at $338. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tom Brady [Refractor] #140 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 Tom Brady [Refractor] #140 break even?
At a standard ~$50 fee, submitting Tom Brady [Refractor] #140 breaks even when it gems about 16% of the time (a miss assumed to sell at the PSA 9 price of $96.91).
Best on iPhone & Android
Check your football card in the Midpoint app
Scan with your camera to measure centering to the millimeter, get an AI grade with corner and edge close-ups, see what your copy is worth, and track it in your portfolio. Free to start.
