Is Daron Payne #195 worth grading?

Football · Football Cards 2022 Panini Donruss Optic · full price guide →

Grading rarely pays for this card

Grade 9.5 copies of Daron Payne #195 sell for $6.00, only $5.00 above the $1.00 raw price — less than an economy-tier grading fee. A PSA 9 ($5.85) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.

Raw (NM): $1.00
Grade 9.5: $6.00
PSA 9: $5.85
Gem premium: 6.0×
As of: Sep 3, 2026

Break-even by outcome and fee

Daron Payne #195: 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	$6.00	−$20.00	−$45.00	−$145
PSA 9	$5.85	−$20.15	−$45.15	−$145

Net = sale price − $1.00 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?

Daron Payne #195: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$5.89	−$45.11
50%	$5.92	−$45.08
75%	$5.96	−$45.04

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 →

Daron Payne #195 graded prices by company and grade
Grade	Graded
9.5	$6.00
9	$5.85

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

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