She would have. When I say it, I say 'she'd've'. It sounds like that anyway. I've noticed that my friends say it too. You probably say it aswell, if you think about it. But you can't type it coz it isn't really a word. It looks weird too. You have to type it 'she'd have'.
E.G: She'd've given it back
He would have. The male version of 'she'd've'.
E.G: He'd've given it back.