Surah An-Nisa Verse 72 - English Translation by Dr Munir Munshey
Surah An-Nisaوَإِنَّ مِنكُمۡ لَمَن لَّيُبَطِّئَنَّ فَإِنۡ أَصَٰبَتۡكُم مُّصِيبَةٞ قَالَ قَدۡ أَنۡعَمَ ٱللَّهُ عَلَيَّ إِذۡ لَمۡ أَكُن مَّعَهُمۡ شَهِيدٗا
Among you is the one who loiters behind (and declines to fight for Allah). Then, if misfortune befalls you, he says, "Allah favored me, else I would be there (to face the misfortune) with them