![Ray Allen [Refractor] #22 (Basketball Cards 1996 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/bosAAeSwE51pqytX/s-l1600.jpg)
Is Ray Allen [Refractor] #22 worth grading?
Basketball · Basketball Cards 1996 Finest · full price guide →
Strong grading candidate — 4.9× premium in PSA 10
A PSA 10 Ray Allen [Refractor] #22 sells for $549 against $113 raw: a $436 spread, 4.9× the ungraded price. A PSA 9 ($99.00) sells for less than raw, so anything short of a 10 loses money. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $113
- PSA 10
- $549
- PSA 9
- $99.00
- Gem premium
- 4.9×
- 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 | $549 | +$411 | +$386 | +$286 |
| PSA 9 | $99.00 | −$38.73 | −$63.73 | −$164 |
| PSA 8 | $56.00 | −$81.73 | −$107 | −$207 |
Net = sale price − $113 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% | $212 | +$48.77 |
| 50% | $324 | +$161 |
| 75% | $437 | +$274 |
Break-even gem rate at the standard fee: about 14%. 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 | $714 | best | 55/45 | 70/30 |
| PSA 10 | $549 | −$165 | 55/45 | 75/25 |
| CGC 10 | $329 | −$385 | 55/45 | 75/25 |
| SGC 10 | $277 | −$437 | 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.
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Raw conditions & history →Swipe the table for the other grading companies →
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1996 Finest cards worth checking
Full set checklist →![Michael Jordan [Refractor] #50 1996 Finest card](https://i.ebayimg.com/images/g/keMAAeSwBOlqRmlp/s-l500.jpg)
![Kobe Bryant [Refractor w Coating] #74 1996 Finest card](https://i.ebayimg.com/images/g/P0kAAeSw0ZZqUPmz/s-l500.jpg)
![Kobe Bryant [Refractor] #74 1996 Finest card](https://i.ebayimg.com/images/g/eWoAAeSwgf5qTluW/s-l500.jpg)
![Michael Jordan [Refractor] #127 1996 Finest card](https://i.ebayimg.com/images/g/-ssAAeSww81qNFCX/s-l500.jpg)
![Kobe Bryant [Refractor w Coating] #269 1996 Finest card](https://i.ebayimg.com/images/g/vogAAeSwTt1qQy3R/s-l500.jpg)
Grading Ray Allen [Refractor] #22 — FAQ
Is Ray Allen [Refractor] #22 worth grading?
A PSA 10 Ray Allen [Refractor] #22 sells for $549 against $113 raw: a $436 spread, 4.9× the ungraded price. A PSA 9 ($99.00) sells for less than raw, so anything short of a 10 loses money. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Ray Allen [Refractor] #22 worth compared with raw?
A PSA 10 Ray Allen [Refractor] #22 (Basketball Cards 1996 Finest) sells for about $549 versus $113 for a raw near-mint copy — a 4.9× premium as of Sep 4, 2026.
Which grading company is best for Ray Allen [Refractor] #22?
By resale value, BGS 10 leads at $714, ahead of PSA 10 at $549. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Ray Allen [Refractor] #22 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 Ray Allen [Refractor] #22 break even?
At a standard ~$50 fee, submitting Ray Allen [Refractor] #22 breaks even when it gems about 14% of the time (a miss assumed to sell at the PSA 9 price of $99.00).
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