Is Ray Allen [Refractor] #232 worth grading?
Basketball · Basketball Cards 1997 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Ray Allen [Refractor] #232 sells for $99.32 against $10.43 raw: a $88.89 spread, 9.5× the ungraded price. Even a PSA 9 ($37.00) 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)
- $10.43
- PSA 10
- $99.32
- PSA 9
- $37.00
- Gem premium
- 9.5×
- 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 | $99.32 | +$63.89 | +$38.89 | −$61.11 |
| PSA 9 | $37.00 | +$1.57 | −$23.43 | −$123 |
| PSA 8 | $11.18 | −$24.25 | −$49.25 | −$149 |
Net = sale price − $10.43 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% | $52.58 | −$7.85 |
| 50% | $68.16 | +$7.73 |
| 75% | $83.74 | +$23.31 |
Break-even gem rate at the standard fee: about 38%. 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 | $129 | best | 55/45 | 70/30 |
| PSA 10 | $99.32 | −$29.68 | 55/45 | 75/25 |
| CGC 10 | $60.00 | −$69.00 | 55/45 | 75/25 |
| SGC 10 | $60.00 | −$69.00 | 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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Enter the seller’s asking price to see your net outcome per grade.
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Grading Ray Allen [Refractor] #232 — FAQ
Is Ray Allen [Refractor] #232 worth grading?
A PSA 10 Ray Allen [Refractor] #232 sells for $99.32 against $10.43 raw: a $88.89 spread, 9.5× the ungraded price. Even a PSA 9 ($37.00) 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.
How much is a PSA 10 Ray Allen [Refractor] #232 worth compared with raw?
A PSA 10 Ray Allen [Refractor] #232 (Basketball Cards 1997 Finest) sells for about $99.32 versus $10.43 for a raw near-mint copy — a 9.5× premium as of Sep 4, 2026.
Which grading company is best for Ray Allen [Refractor] #232?
By resale value, BGS 10 leads at $129, ahead of PSA 10 at $99.32. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Ray Allen [Refractor] #232 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] #232 break even?
At a standard ~$50 fee, submitting Ray Allen [Refractor] #232 breaks even when it gems about 38% of the time (a miss assumed to sell at the PSA 9 price of $37.00).
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