Unless you do it on your own and make sure it's optimized for your specific needs. And even then things have to be just right. For example, I have no trees putting shade onto my roof. My roof is metal (if it was a 10-year shingle roof I'd have to remove my panels and replace them in 10 years when I replaced my roof, while my panels have 25 year warranties). I have a large portion of my roof facing south and at a somewhat steep angle (important particularly in the winter when the sun is low in the sky even at noon). My wife is retired and does chores (run appliances) throughout the day instead of waiting until both of us get home from work (after the sun is down, which would make us completely dependent on the batteries) and run many appliances simultaneously (my DC to AC inverter can produce at best 10 kW at any time even if I've got plenty of sunshine and my 30 kWh batteries are fully charged, so running all appliances at the same time like we used to would mean pulling power from the grid even in optimum solar days).
So we live in an almost perfect state for solar and I'm in an almost perfect situation for solar. That's why it's paying for itself.
I’m sure you are getting paid a premium for the power you generate. If you were getting paid the “avoided cost rate” (which is what it would cost the utility to generate the next incremental kWh), you wouldn’t find it anywhere near as economic.