![Tim Duncan [Refractor] #G28 (Basketball Cards 1997 Topps Generations) — is it worth grading?](https://i.ebayimg.com/images/g/VxUAAeSw529qVp1V/s-l1600.jpg)
Is Tim Duncan [Refractor] #G28 worth grading?
Basketball · Basketball Cards 1997 Topps Generations · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Tim Duncan [Refractor] #G28 sells for $1,172 against $99.90 raw: a $1,072 spread, 12× the ungraded price. Even a PSA 9 ($130) 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)
- $99.90
- PSA 10
- $1,172
- PSA 9
- $130
- Gem premium
- 12×
- As of
- Jul 11, 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 | $1,172 | +$1,047 | +$1,022 | +$922 |
| PSA 9 | $130 | +$5.13 | −$19.87 | −$120 |
| PSA 8 | $100 | −$24.90 | −$49.90 | −$150 |
Net = sale price − $99.90 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% | $390 | +$241 |
| 50% | $651 | +$501 |
| 75% | $911 | +$762 |
Break-even gem rate at the standard fee: about 2%. 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 | $1,523 | best | 55/45 | 70/30 |
| PSA 10 | $1,172 | −$351 | 55/45 | 75/25 |
| CGC 10 | $703 | −$820 | 55/45 | 75/25 |
| SGC 10 | $703 | −$820 | 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 →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $1,172 | $703 | $1,523 | $703 | — |
| 9.5 | — | — | — | — | $293 |
| 9 | — | — | — | — | $130 |
| 8 | — | — | — | — | $100 |
| 7 | — | — | — | — | $99.97 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1997 Topps Generations cards worth checking
Full set checklist →
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Grading Tim Duncan [Refractor] #G28 — FAQ
Is Tim Duncan [Refractor] #G28 worth grading?
A PSA 10 Tim Duncan [Refractor] #G28 sells for $1,172 against $99.90 raw: a $1,072 spread, 12× the ungraded price. Even a PSA 9 ($130) 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 Tim Duncan [Refractor] #G28 worth compared with raw?
A PSA 10 Tim Duncan [Refractor] #G28 (Basketball Cards 1997 Topps Generations) sells for about $1,172 versus $99.90 for a raw near-mint copy — a 12× premium as of Jul 11, 2026.
Which grading company is best for Tim Duncan [Refractor] #G28?
By resale value, BGS 10 leads at $1,523, ahead of PSA 10 at $1,172. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tim Duncan [Refractor] #G28 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 Tim Duncan [Refractor] #G28 break even?
At a standard ~$50 fee, submitting Tim Duncan [Refractor] #G28 breaks even when it gems about 2% of the time (a miss assumed to sell at the PSA 9 price of $130).
Is your basketball card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
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