Is Tim Hardaway [Refractor] #109 worth grading?
Basketball · Basketball Cards 1996 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Tim Hardaway [Refractor] #109 sells for $73.00 against $9.97 raw: a $63.03 spread, 7.3× the ungraded price. Even a PSA 9 ($66.00) 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)
- $9.97
- Grade 9.5
- $73.00
- PSA 9
- $66.00
- Gem premium
- 7.3×
- As of
- Sep 3, 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 | $73.00 | +$38.03 | +$13.03 | −$86.97 |
| PSA 9 | $66.00 | +$31.03 | +$6.03 | −$93.97 |
| PSA 8 | $59.95 | +$24.98 | −$0.02 | −$100 |
Net = sale price − $9.97 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% | $67.75 | +$7.78 |
| 50% | $69.50 | +$9.53 |
| 75% | $71.25 | +$11.28 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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Grading Tim Hardaway [Refractor] #109 — FAQ
Is Tim Hardaway [Refractor] #109 worth grading?
A Grade 9.5 Tim Hardaway [Refractor] #109 sells for $73.00 against $9.97 raw: a $63.03 spread, 7.3× the ungraded price. Even a PSA 9 ($66.00) 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.
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