Company: DTG
Filing Date: 2025-12-19
Form Type: 424B5
Source: 0001193125-25-326903
Chunk: 43

Company: DTE ENERGY CO
Filing Date: 2025-12-19
Form: 424B5
Chunk 43
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 incurred, to the extent the Indebtedness specifically by its terms ranks equally with and not prior to the subordinated debt securities in the right of payment upon the happening of the dissolution, winding-up,liquidation or reorganization of DTE Energy. The securing of any Indebtedness otherwise constituting Indebtedness ranking equally with the subordinated debt securities will not prevent the Indebtedness from constituting Indebtedness ranking equally with the subordinated debt securities. “Indebtedness ranking junior to the subordinated debt securities,”for purposes of subordinated debt securities of the applicable series, means any Indebtedness, whether outstanding on the date of issuance of the 16

subordinated debt securities of the applicable series or thereafter created, assumed or incurred, to the extent the Indebtedness by its terms ranks junior to and not equally with or prior to:

| • |     | the subordinated debt securities, and |

| • |     | any other Indebtedness ranking equally with the subordinated debt securities, |

in right of payment upon the happening of the dissolution, winding-up,liquidation or reorganization of DTE Energy. The securing of any Indebtedness otherwise constituting Indebtedness ranking junior to the subordinated debt securities will not prevent the Indebtedness from constituting Indebtedness ranking junior to the subordinated debt securities. Covenants The indenture contains covenants for the benefit of holders of debt securities of each series. The following covenant will apply to a series of debt securities only to the extent specified in the applicable prospectus supplement. Limitation on Secured Debt If this covenant is made applicable to the debt securities of any particular series, we have agreed that we will not create, issue, incur or assume any Secured Debt (as defined below) without the consent of the holders of a majority in principal amount of the outstanding debt securities of all series with respect to which this covenant is made, considered as one class; provided, however, that the foregoing covenant will not prohibit the creation, issuance, incurrence or assumption of any Secured Debt if we either:

| • |     | secure all debt securities then outstanding with respect to which this covenant is made equally and ratably with 
 the Secured Debt; or                                                                                             |

| • |     | deliver to the trustee bonds, notes or other evidences of indebtedness secured by the Lien (as defined below)                                                                                                                                        
 which secures the Secured Debt in