Hi Al,
Thanks for checking in your Applications folder. Since Photos should've been installed whenever you upgraded to El Capitan, I'd also like you to search Spotlight for it. If you still get no results, then the only way to get that installed is to reinstall El Capitan.
Mac Basics: Spotlight helps you find what you're looking for - Apple Support
If have a recent Mac, you can use OS X Recovery to reinstall OS X.

- Turn on your Mac.
- Immediately after you hear the startup sound, hold the Command and R keys on your keyboard.
- Release the keys after the Apple logo appears.
- If prompted, select a Wi-Fi network, or connect your Mac to the Internet using an Ethernet cable.
- After the Recovery menu appears, select the option to Install OS X.
- Follow the onscreen prompts to select your destination disk and install OS X.
How to reinstall OS X on your Mac - Apple Support
Cheers.