And indeed, there is among you he who lingers behind; and if (4:72)

﴿وَإِنَّ مِنكُمْ لَمَن لَّيُبَطِّئَنَّ فَإِنْ أَصَابَتْكُم مُّصِيبَةٌ قَالَ قَدْ أَنْعَمَ اللَّهُ عَلَيَّ إِذْ لَمْ أَكُن مَّعَهُمْ شَهِيدًا﴾
[ النساء: 72]

4:72 And indeed, there is among you he who lingers behind; and if disaster strikes you, he says, "Allah has favored me in that I was not present with them."

There are among you, O Muslims, some people who hesitate to go out to fight your enemies, because of their cowardice, and who also try to keep others behind.
They are the hypocrites and who are weak in faith.
If you are killed or defeated, then one of them, happy that he is safe, says, ‘Allah has favoured me in that I was not present at the fight with them, otherwise I would have also been harmed like them’.

There is certainly among you he who would linger behind (from fighting in Allah's Cause). If a misfortune befalls you, he says, "Indeed Allah has favoured me in that I was not present among them."

phonetic Transliteration

Wainna minkum laman layubattianna fain asabatkum museebatun qala qad anAAama Allahu AAalayya ith lam akun maAAahum shaheedan

Abdullah Yusuf Ali - Translation

There are certainly among you men who would tarry behind: If a misfortune befalls you, they say: "Allah did favour us in that we were not present among them."

Safi-ur-Rahman al-Mubarakpuri

There is certainly among you he who would linger behind. If a misfortune befalls you, he says, "Indeed Allah has favored me in that I was not present among them."

Page 89 English transliteration