中点能源美股招股说明书(2025-10-01版)

CenterPoint Energy, Inc. 5.950%Fixed-to-FixedReset Rate Junior Subordinated Notes, Series D, due 2056 This is an offering of $700,000,000 aggregate principal amount of 5.950%Fixed-to-FixedReset Rate Junior Subordinated Notes, Series D, due 2056 (the “notes”)to be issued by CenterPoint Energy, Inc., a Texas corporation. The notes will bear interest (i)from and including the date of original issuance to, but excluding, April1,2031 at an annual rate of 5.950% and (ii)from and including April1, 2031 during each Interest Reset Period (as defined in this prospectus supplement) at an annual rateequal to the Five-Year Treasury Rate (as defined in this prospectus supplement) as of the most recent Reset Interest Determination Date (as defined in this prospectussupplement), plus a spread of 2.223%; provided that the interest rate during any Interest Reset Period will not reset below 5.950% per annum (which is the same interestrate as in effect from and including the original issue date to, but excluding, the First Reset Date (as defined herein) (the “Initial Fixed Period”)). Interest on the notes willbe payable semi-annually in arrears on April1 and October1 of each year beginning on April1, 2026. The notes will be issued in registered form and in denominationsof $2,000 and integral multiples of $1,000 in excess thereof. The notes will mature on April1, 2056. So long as no event of default (as defined in this prospectus supplement) with respect to the notes has occurred and is continuing, we may, at our option, deferinterest payments on the notes on one or more occasions, from time to time, for up to 20consecutive semi-annual interest payment periods (as defined in this prospectussupplement). During any deferral period, interest on the notes will continue to accrue at the then-applicable interest rate on the notes and, in addition, interest on deferredinterest will accrue at the then-applicable interest rate on the notes, compounded semi-annually, to the extent permitted by applicable law, as described in this prospectussupplement. We may redeem the notes before their maturity date at our option at the times and at the redemption prices described in this prospectus supplement. The notes will be our unsecured obligations and will rank junior and subordinate in right of payment to the prior payment in full of our existing and future SeniorIndebtedness (as defined in this prospectus supplement). See “Description of Notes—Ranking” and “Description of Notes—Subordination.” Investing in the notes involves risks. See “Risk Factors” on pageS-10of this prospectus supplement and page 4 ofthe accompanying prospectus. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined ifthis prospectus supplement or the accompanying prospectus is truthful or complete. Any representation to the contrary is a criminal offense. PerNoteTotalPublic offering price(1)100.000%$700,000,000Underwriting discount1.000%$7,000,000Proceeds, before expenses, to CenterPoint Energy, Inc.(1)99.000%$693,000,000 (1)Plus accrued interest, if any, from October 2, 2025, if settlement occurs after that date. The underwriters expect to deliver the notes to purchasers through the book-entry facilities of The Depository Trust Company and for the accounts of itsparticipants, including Clearstream Banking S.A. and Euroclear Bank SA/NV, as operator of the Euroclear System, against payment in New York, New York on or aboutOctober 2, 2025. Table of Contents This document consists of two parts, which should be read together. The first part is this prospectus supplement, which describes the specificterms of the notes, the specific terms of this offering and supplements and updates information contained in the accompanying prospectus and thedocuments incorporated by reference into this prospectus supplement and the accompanying prospectus. The second part, the accompanying prospectus,provides more general information about the notes and other securities that may be offered from time to time using such prospectus, some of whichgeneral information does not apply to this offering. Generally, when we refer to the prospectus, we are referring to both parts of this documentcombined. You should read this prospectus supplement and the accompanying prospectus together with any written communication prepared by us or onour behalf in connection with this offering together with the additional information described in the accompanying prospectus under the heading “WhereYou Can Find More Information” and in this prospectus supplement under the headings “Where You Can Find More Information” and “IncorporationBy Reference.” If the description of the notes varies between this prospectus supplement and the accompanying prospectus, you should rely on theinformation in this prospectus supplement. We have not, and the underwriters have not, authorized anyone to provide any information or to make a