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The phrase "and she speculated that" is correct and usable in written English.
It can be used when introducing a thought or hypothesis that someone has about a particular situation or topic.
Example: "After observing the changes in the market, she speculated that the trend would continue into the next quarter."
Alternatives: "and she theorized that" or "and she conjectured that".
Exact(2)
And she speculated that Dr. Kazimiroff himself may have taken the whole thing in stride.
Bishop has previously dined with such celebrities as Robert De Niro and Hugh Jackman, and she speculated that "maybe it was through De Niro" Scott had managed to wrangle the high-powered tête-à-tête.
Similar(58)
And she speculates that perhaps a cognitive shift occurs at about five.
She speculated that economic and social factors were at the core of the problem.
Ms. Hou said that she does not know why men have better results at the board, but she speculated that men and women think differently.
She speculated that he had had a troubled childhood.
She speculate that "disrupted development" may affect the babies' brains.
Besides calling her a "slut," he also called her a "prostitute," said that he wanted her to make sex tapes and post them online, and speculated that she only had a problem paying for contraception because she was having "so much sex".
The paintings' owner said his artworks had been acquired by his paternal grandmother, a Swedish immigrant, and he speculated that she was given them after she was widowed and worked as a seamstress for wealthy families along Fifth Avenue.
"How?" After pressing a few buttons on her keyboard and scrolling around, she gave up and speculated that this must have happened when Wells Fargo ate Wachovia.
Then he realized that in less than two months, Mrs. Whitman would face re-election, and he speculated that she "was concerned about being too stridently pro-environment".
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com