Surah An-Nisa 4:72

وَإِنَّ مِنكُمْ لَمَن لَّيُبَطِّئَنَّ فَإِنْ أَصَـٰبَتْكُم مُّصِيبَةٌ قَالَ قَدْ أَنْعَمَ ٱللَّهُ عَلَىَّ إِذْ لَمْ أَكُن مَّعَهُمْ شَهِيدًا

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

Translation: Saheeh International

Tafsir

Verily there are some of you who tarry who indeed hesitate to join the fighting such as ‘Abd Allāh b. Ubayy the hypocrite and his companions — counting him the one who tarries as one of them the Muslims is from the perspective of outward appearances — the lām in the verb la-yubatti’anna ‘verily … who tarry’ is for …

Excerpt from Tafsir al-Jalalayn, commentary on 4:72, via Quran.com. The reader has the full commentary and 9 more tafsirs.