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Human Torch vs. Sub-Mariner #97 (Marvel 1991 Universe) — is it worth grading?

Is Human Torch vs. Sub-Mariner #97 worth grading?

Marvel · Marvel 1991 Universe · full price guide →

Strong grading candidate — 69× premium in PSA 10

A PSA 10 Human Torch vs. Sub-Mariner #97 sells for $112 against $1.62 raw: a $110 spread, 69× the ungraded price. A PSA 9 ($14.75) 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)
$1.62
PSA 10
$112
PSA 9
$14.75
Gem premium
69×
As of
Oct 4, 2026

Break-even by outcome and fee

Human Torch vs. Sub-Mariner #97: net result of grading versus selling raw, by outcome and fee tier
If it comes back…Sells forEconomy / bulk (~$25.00)Standard (~$50.00)Express (~$150)
Gem — PSA 10$112+$85.20+$60.20−$39.80
PSA 9$14.75−$11.87−$36.87−$137
PSA 8$10.84−$15.78−$40.78−$141

Net = sale price − $1.62 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?

Human Torch vs. Sub-Mariner #97: expected value of submitting by gem probability
Chance it gemsExpected saleExpected net (standard fee)
25%$39.02−$12.60
50%$63.28+$11.66
75%$87.55+$35.93

Break-even gem rate at the standard fee: about 38%. 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 →
Human Torch vs. Sub-Mariner #97: top-grade value by grading company with centering tolerance
Grader10 sells forvs bestFront centering for a 10Back
BGS 10$145best55/4570/30
PSA 10$112−$33.1855/4575/25
CGC 10$67.00−$78.0055/4575/25
SGC 10$67.00−$78.0055/4575/25

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.

Human Torch vs. Sub-Mariner #97 graded prices by company and grade
GradePSACGCBGSSGCGraded
10$112$67.00$145$67.00—
9.5————$16.00
9————$14.75
8————$10.84
7————$5.91

Swipe the table for the other grading companies →

Run your own numbers

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Other Marvel 1991 Universe cards worth checking

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Grading Human Torch vs. Sub-Mariner #97 — FAQ

Is Human Torch vs. Sub-Mariner #97 worth grading?

A PSA 10 Human Torch vs. Sub-Mariner #97 sells for $112 against $1.62 raw: a $110 spread, 69× the ungraded price. A PSA 9 ($14.75) 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 Human Torch vs. Sub-Mariner #97 worth compared with raw?

A PSA 10 Human Torch vs. Sub-Mariner #97 (Marvel 1991 Universe) sells for about $112 versus $1.62 for a raw near-mint copy — a 69× premium as of Oct 4, 2026.

Which grading company is best for Human Torch vs. Sub-Mariner #97?

By resale value, BGS 10 leads at $145, ahead of PSA 10 at $112. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Human Torch vs. Sub-Mariner #97 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 Human Torch vs. Sub-Mariner #97 break even?

At a standard ~$50 fee, submitting Human Torch vs. Sub-Mariner #97 breaks even when it gems about 38% of the time (a miss assumed to sell at the PSA 9 price of $14.75).

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