![Shaquille O'Neal [Refractor] #32 (Basketball Cards 1995 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/sacAAeSw5eRqZivQ/s-l1600.jpg)
Is Shaquille O'Neal [Refractor] #32 worth grading?
Basketball · Basketball Cards 1995 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Shaquille O'Neal [Refractor] #32 sells for $220 against $98.49 raw: a $122 spread, 2.2× the ungraded price. Even a PSA 9 ($200) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $98.49
- Grade 9.5
- $220
- PSA 9
- $200
- Gem premium
- 2.2×
- As of
- Jul 11, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — Grade 9.5 | $220 | +$96.51 | +$71.51 | −$28.49 |
| PSA 9 | $200 | +$76.51 | +$51.51 | −$48.49 |
| PSA 8 | $92.44 | −$31.05 | −$56.05 | −$156 |
Net = sale price − $98.49 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% | $205 | +$56.51 |
| 50% | $210 | +$61.51 |
| 75% | $215 | +$66.51 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $220 |
| 9 | $200 |
| 8 | $92.44 |
| 7 | $74.00 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1995 Finest cards worth checking
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![Magic Johnson [Refractor] #252 1995 Finest card](https://i.ebayimg.com/images/g/JSsAAOSw5olmnWfG/s-l500.jpg)
![Kevin Garnett [w/ Coating] #115 1995 Finest card](https://i.ebayimg.com/images/g/oy8AAeSw59dqSoiF/s-l500.jpg)
Grading Shaquille O'Neal [Refractor] #32 — FAQ
Is Shaquille O'Neal [Refractor] #32 worth grading?
A Grade 9.5 Shaquille O'Neal [Refractor] #32 sells for $220 against $98.49 raw: a $122 spread, 2.2× the ungraded price. Even a PSA 9 ($200) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
Is your basketball card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
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