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My cousin just moved up from a 20 to a 12, got a franchi semi and is getting the stock cut to fit her. She did the same thing with the 20ga 1100 she had before.
Franchi also makes one. In fact the offer the Catalyst which is stocked to better fit a female shooter than most youth guns. If an O/U is an option I believe CZ has some offerings as well.
Just adding to the list. I know at one point remington made a youth stock for the 870 and 1187 12's maybe worth contacting them about. Keep her in the platform she is familiar with and move up to the larger bore. Try and find a shorter barreled one to keep the balance point closer to the body. That is a comment I hear from the girlfriend and other female shooters. Leaning back to overcome the heft/balance of the gun throws them off balance and makes perceived recoil worse.