![Kobe Bryant [Refractor] #137 (Basketball Cards 1997 Finest Embossed) — is it worth grading?](https://i.ebayimg.com/images/g/aQQAAeSwxxdqff-Y/s-l1600.jpg)
Is Kobe Bryant [Refractor] #137 worth grading?
Basketball · Basketball Cards 1997 Finest Embossed · full price guide →
Worth grading only if it gems
A PSA 10 Kobe Bryant [Refractor] #137 brings $2,404 versus $892 raw — a $1,511 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($832) sells for less than raw, so anything short of a 10 loses money.
- Raw (NM)
- $892
- PSA 10
- $2,404
- PSA 9
- $832
- Gem premium
- 2.7×
- 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 | $2,404 | +$1,486 | +$1,461 | +$1,361 |
| PSA 9 | $832 | −$85.79 | −$111 | −$211 |
| PSA 8 | $536 | −$381 | −$406 | −$506 |
Net = sale price − $892 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% | $1,225 | +$282 |
| 50% | $1,618 | +$675 |
| 75% | $2,011 | +$1,068 |
Break-even gem rate at the standard fee: about 7%. 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 | $3,125 | best | 55/45 | 70/30 |
| PSA 10 | $2,404 | −$721 | 55/45 | 75/25 |
| CGC 10 | $1,442 | −$1,683 | 55/45 | 75/25 |
| SGC 10 | $1,442 | −$1,683 | 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.
Full grade ladder
Raw conditions & history →Swipe the table for the other grading companies →
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1997 Finest Embossed cards worth checking
Full set checklist →![Scottie Pippen [Gold Refractor Die Cut] #322 1997 Finest Embossed card](https://i.ebayimg.com/images/g/WoAAAeSwMT9plk3i/s-l500.jpg)

![Michael Jordan [Gold Refractor Die Cut] #154 1997 Finest Embossed card](https://i.ebayimg.com/images/g/eu8AAeSwS6Jqm6Nu/s-l500.jpg)

![Tim Duncan [Refractor] #325 1997 Finest Embossed card](https://i.ebayimg.com/images/g/8t8AAeSwQD1qRT07/s-l500.jpg)
![Allen Iverson [Refractor] #320 1997 Finest Embossed card](https://i.ebayimg.com/images/g/hIcAAOSwHGZinQH1/s-l500.jpg)
Grading Kobe Bryant [Refractor] #137 — FAQ
Is Kobe Bryant [Refractor] #137 worth grading?
A PSA 10 Kobe Bryant [Refractor] #137 brings $2,404 versus $892 raw — a $1,511 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($832) sells for less than raw, so anything short of a 10 loses money.
How much is a PSA 10 Kobe Bryant [Refractor] #137 worth compared with raw?
A PSA 10 Kobe Bryant [Refractor] #137 (Basketball Cards 1997 Finest Embossed) sells for about $2,404 versus $892 for a raw near-mint copy — a 2.7× premium as of Sep 4, 2026.
Which grading company is best for Kobe Bryant [Refractor] #137?
By resale value, BGS 10 leads at $3,125, ahead of PSA 10 at $2,404. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Kobe Bryant [Refractor] #137 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 Kobe Bryant [Refractor] #137 break even?
At a standard ~$50 fee, submitting Kobe Bryant [Refractor] #137 breaks even when it gems about 7% of the time (a miss assumed to sell at the PSA 9 price of $832).
Best on iPhone & Android
Check your basketball card in the Midpoint app
Scan with your camera to measure centering to the millimeter, get an AI grade with corner and edge close-ups, see what your copy is worth, and track it in your portfolio. Free to start.