Is Human Torch [Gold Refractor] #MI-7 worth grading?

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Grading rarely pays for this card

Grade 9.5 copies of Human Torch [Gold Refractor] #MI-7 sell for $37.00, only $10.10 above the $26.90 raw price — less than an economy-tier grading fee. A PSA 9 ($33.77) 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): $26.90
Grade 9.5: $37.00
PSA 9: $33.77
Gem premium: 1.4×
As of: Oct 4, 2026

Break-even by outcome and fee

Human Torch [Gold Refractor] #MI-7: 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	$37.00	−$14.90	−$39.90	−$140
PSA 9	$33.77	−$18.13	−$43.13	−$143

Net = sale price − $26.90 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 [Gold Refractor] #MI-7: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$34.58	−$42.32
50%	$35.39	−$41.51
75%	$36.19	−$40.71

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 →

Human Torch [Gold Refractor] #MI-7 graded prices by company and grade
Grade	Graded
9.5	$37.00
9	$33.77

Run your own numbers

Should I pay this?

Asking priceGrading fee

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