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qad
قَدْ
Indeed,
khasira
خَسِرَ
incurred loss
alladhīna
ٱلَّذِينَ
those who
kadhabū
كَذَّبُوا۟
denied
biliqāi
بِلِقَآءِ
in (the) meeting
l-lahi
ٱللَّهِۖ
(with) Allah,
ḥattā
حَتَّىٰٓ
until
idhā
إِذَا
when
jāathumu
جَآءَتْهُمُ
came to them
l-sāʿatu
ٱلسَّاعَةُ
the Hour
baghtatan
بَغْتَةً
suddenly
qālū
قَالُوا۟
they said,
yāḥasratanā
يَٰحَسْرَتَنَا
"Oh! Our regret
ʿalā
عَلَىٰ
over
مَا
what
farraṭnā
فَرَّطْنَا
we neglected
fīhā
فِيهَا
concerning it,"
wahum
وَهُمْ
while they
yaḥmilūna
يَحْمِلُونَ
will bear
awzārahum
أَوْزَارَهُمْ
their burdens
ʿalā
عَلَىٰ
over
ẓuhūrihim
ظُهُورِهِمْۚ
their backs.
alā
أَلَا
Unquestionably!
sāa
سَآءَ
Evil
مَا
what
yazirūna
يَزِرُونَ
they bear.

Qad khasiral lazeena kazzaboo biliqaaa'il laahi hattaaa izaa jaaa'at humus Saa'atu baghtan qaaloo yaa hasratanaa 'alaa maa farratnaa feehaa wa hum yahmiloona awzaarahum 'alaa zuhoorihim; alaa saaa'a ma yaziroon

Sahih International:

Those will have lost who deny the meeting with Allah, until when the Hour [of resurrection] comes upon them unexpectedly, they will say, "Oh, [how great is] our regret over what we neglected concerning it [i.e., the Hour]," while they bear their burdens [i.e., sins] on their backs. Unquestionably, evil is that which they bear.

1 Mufti Taqi Usmani

Losers indeed are those who deny that they will ever face Allah, until when the Hour will come upon them suddenly, they will say, “Alas! We have been negligent about it.” They shall carry their burdens on their backs. Beware! Evil is the burden they carry.