Is Steve Francis [Refractor] #102 worth grading?

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

Grading rarely pays for this card

Grade 9.5 copies of Steve Francis [Refractor] #102 sell for $21.00, only $0.00 above the $30.10 raw price — less than an economy-tier grading fee. A PSA 9 ($19.00) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.

Raw (NM): $30.10
Grade 9.5: $21.00
PSA 9: $19.00
Gem premium: 0.7×
As of: Sep 3, 2026

Break-even by outcome and fee

Steve Francis [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	$21.00	−$34.10	−$59.10	−$159
PSA 9	$19.00	−$36.10	−$61.10	−$161
PSA 8	$17.00	−$38.10	−$63.10	−$163

Net = sale price − $30.10 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 [Refractor] #102: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$19.50	−$60.60
50%	$20.00	−$60.10
75%	$20.50	−$59.60

At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.

Full grade ladder

Raw conditions & history →

Steve Francis [Refractor] #102 graded prices by company and grade
Grade	Graded
9.5	$21.00
9	$19.00
8	$17.00

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

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