A photo distribution method and a terminal are disclosed. In an embodiment a method for distributing photos include obtaining, by a first terminal in a photo sharing group, user portrait information and address information of a second terminal in the photo sharing group, obtaining, by the first terminal, first index information created by a third terminal in the photo sharing group, segmenting, by the first terminal, the first index information to obtain second index information, and allocating the second index information to a fourth terminal in the photo sharing group and sending, by the first terminal, the user portrait information and the address information of the second terminal to the fourth terminal.