Is Gary Payton [Refractor] #114 worth grading?
Basketball · Basketball Cards 1996 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Gary Payton [Refractor] #114 sells for $55.00 against $14.30 raw: a $40.70 spread, 3.8× the ungraded price. Even a PSA 9 ($50.25) 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)
- $14.30
- Grade 9.5
- $55.00
- PSA 9
- $50.25
- Gem premium
- 3.8×
- 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 | $55.00 | +$15.70 | −$9.30 | −$109 |
| PSA 9 | $50.25 | +$10.95 | −$14.05 | −$114 |
| PSA 8 | $25.75 | −$13.55 | −$38.55 | −$139 |
Net = sale price − $14.30 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% | $51.44 | −$12.86 |
| 50% | $52.63 | −$11.67 |
| 75% | $53.81 | −$10.49 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
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Grading Gary Payton [Refractor] #114 — FAQ
Is Gary Payton [Refractor] #114 worth grading?
A Grade 9.5 Gary Payton [Refractor] #114 sells for $55.00 against $14.30 raw: a $40.70 spread, 3.8× the ungraded price. Even a PSA 9 ($50.25) 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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