$Steve Francis [Atomic Refractor] #102 (Basketball Cards 1999 Bowman's Best) — is it worth grading?$

Is Steve Francis [Atomic Refractor] #102 worth grading?

Basketball · Basketball Cards 1999 Bowman's Best · full price guide →

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Steve Francis [Atomic Refractor] #102 sells for $189 against $139 raw: a $50.34 spread, 1.4× the ungraded price. Even a PSA 9 ($172) 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): $139
Grade 9.5: $189
PSA 9: $172
Gem premium: 1.4×
As of: Sep 3, 2026

Break-even by outcome and fee

Steve Francis [Atomic Refractor] #102: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$189	+$25.34	+$0.34	−$99.66
PSA 9	$172	+$7.90	−$17.10	−$117
PSA 8	$126	−$37.96	−$62.96	−$163

Net = sale price − $139 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?

Steve Francis [Atomic Refractor] #102: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$176	−$12.74
50%	$180	−$8.38
75%	$185	−$4.02

Break-even gem rate at the standard fee: about 98%. Centering is the usual reason a clean copy misses — measure it before you decide.

Full grade ladder

Raw conditions & history →

Steve Francis [Atomic Refractor] #102 graded prices by company and grade
Grade	Graded
9.5	$189
9	$172
8	$126

Run your own numbers

Should I pay this?

Asking priceGrading fee

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Grading Steve Francis [Atomic Refractor] #102 — FAQ

Is Steve Francis [Atomic Refractor] #102 worth grading?

What gem rate makes grading Steve Francis [Atomic Refractor] #102 break even?

At a standard ~$50 fee, submitting Steve Francis [Atomic Refractor] #102 breaks even when it gems about 98% of the time (a miss assumed to sell at the PSA 9 price of $172).

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